Editorial Policy
Last Updated: June 1, 2026
Editorial Standards & Legal Disclosures
Title Loans Union is committed to providing objective, accurate, and transparent information regarding short-term consumer credit options. Car title loans, registration loans, and auto pawns are high-cost financial products that carry significant default and repossession risks. Our editorial goal is to equip consumers with clear rate data, calculators, state regulatory overviews, and lower-cost alternatives to support informed financial decision-making.
Federal Compliance & Operational Disclosures
FTC Affiliate & Referral Disclosure (16 CFR Part 255): This website is supported by financial referral compensation. When you submit an inquiry on our matching and referral forms, your inputs are passed in real-time to matched lending partners in our network. If a match is successful, we may receive compensation from the participating lender or network. This referral model keeps our comparisons, state guides, and interactive calculators free to use.
Not a Lender Statement: TitleLoansUnion.com is not a direct lender, does not originate or underwrite consumer loans, and does not make credit or approval decisions. Standard credit checks, approvals, rates, and transaction agreements are managed solely by individual network lenders under state licenses.
Data Minimization Guarantee: In accordance with our privacy disclosures, the Title Loans Union website does not store, database, or retain any sensitive personal or financial information sent via our application forms. All data is processed programmatically in real-time and passed securely to matched lending partners.
No Financial or Legal Advice: All materials, calculators, state statutes, and regulatory guides published on TitleLoansUnion.com are provided for educational and informational purposes only. They do not constitute professional legal, tax, or investment advice. Consumers should consult with a qualified legal professional or non-profit credit counseling agency when evaluating high-cost debt solutions.
Our Core Editorial Pillars
1. Fact-Checking & Primary Sources
Our state regulatory guides and rate limits are sourced directly from primary administrative materials. This includes state codes, statutes, Department of Financial Institutions (DFI) directives, and state Division of Banking databases. We actively link to official state resources to verify accuracy.
2. Subject Matter Review
Our articles and calculations are researched and reviewed by specialists with general experience in consumer finance legislation, automotive appraisal metrics, and regulatory lending disclosures. We prioritize plain-language representations of complex interest and compounding terms.
3. Objectivity & Marketing Separation
We maintain strict separation between our writing staff and our referral partners. Advertisers cannot pay to alter reviews, modify negative rate labels, or remove warning disclosures on high-interest loans. A licensed high-interest loan will always be objectively identified as such.
4. Truth in Lending Alignment
Consistent with the spirit of the Federal Truth in Lending Act (TILA), we represent loan fees and interest as Annual Percentage Rates (APR) rather than simple monthly percentages or carrying fees, enabling consumers to compare financing costs side-by-side with lower-interest alternatives.
Information Integrity Methodology
When evaluating state-by-state title loan provisions or reviewing informational content, Title Loans Union utilizes standard research checkpoints to maintain quality:
- Statutory Compliance Verification: We regularly monitor changes to state cap laws, registration requirements, and required state consumer warning disclosures.
- Full APR Disclosures: We emphasize clear disclosures of standard APR ranges, maximum loan durations, and potential default rollover periods before a consumer applies.
- Independent Vehicle Valuations: Dynamic and educational title loan tables utilize real retail/wholesale industry averages (such as physical depreciation norms) rather than arbitrary metrics designed to minimize loan-to-value limits.
- Equal Housing & Fair Lending Awareness: We support fair lending opportunities governed by the Equal Credit Opportunity Act (ECOA) and do not support or direct consumers to lenders found in violation of non-discrimination standards.
Information Accuracy and Revenue Disclosure
We aim to publish objective, fully accurate interest summaries. Although Title Loans Union is compensated via matching referral relationships with network partners, this commercial setup does not alter our objective state reviews, informative calculators, or the prominent warnings we place on high-risk options. If a state has prohibited title loans under state supreme court rulings, Attorney General directives, or legislative interest caps, we declare it clearly.
Periodic Verification Cycles
Consumer lending statutes change frequently at the state level across the United States. To address these variations:
Educational Risk Mandates
To ensure objective and protective context, all educational guides and comparisons published on Title Loans Union must explicitly discuss:
- The high-cost nature of short-term, asset-backed consumer loans.
- A direct evaluation of realistic alternatives, including credit union personal loans, local agency assistance, or unsecured options.
- Calculated warnings about vehicle repossession and the risk of entire equity loss on high loan-to-value limits.
- The importance of securing a dedicated, short-term source of repayment before committing to a title lien transaction.
Correcting Information & Seeking Modifications
We resolve to correct any factual errors, outdated rate caps, or mischaracterized municipal filing fees promptly. If you identify any outdated legal limits or calculators on our platform, please report it directly to our editorial team.
Our staff will verify the submitted information against current state code citations or official records and process required corrections promptly.
Editorial Team Contact: editorial@titleloansunion.com