Quick answer
Vermont is served by the Vermont Department of Financial Regulation (DFR). Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in Vermont today.
Vermont loan rules at a glance
- Governing statutes
- Title 8, V.S.A. ch. 114, V.S.A. ch. 73
Regulator: Vermont Department of Financial Regulation (DFR) · Phone: (802) 828-3307 (unlicensed-lender complaints; per Attorney General) · Statutes: Title 8, V.S.A. ch. 114, V.S.A. ch. 73 · Last verified: 2026-10-08
Loan products in Vermont
The table below summarises each product's legal status and key limits under Vermont law. Click a product to see the detailed guide.
| Loan type | Status | Key limits |
|---|---|---|
| Payday loans | Not permitted | Not available in Vermont |
| Cash advance | Not permitted | Not available in Vermont |
| Title loans | Unclear | Check with the state regulator |
| Installment loans | Restricted | State limits apply |
| Bad credit loans | Restricted | Same legal rules as installment unless noted; no separate bad-credit statute found in primary source |
| Debt consolidation | Restricted | Vermont licenses debt adjusters (8 V.S.A. ch. 114); statute text not captured verbatim in this run; |
| Refinance | Restricted | Lender licensing (8 V.S.A. ch. 73) covers mortgage lending through NMLS; texts not captured verbatim |
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Cities in Vermont
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