# Title Loans Union

> Title Loans Union is an authoritative, independent consumer finance research database providing state-by-state legal statuses, statutory interest caps, borrower protection laws, and financial guides for motor vehicle title lending across all 50 U.S. states.

## Core Legal Database (50-State Title Loan Regulations)

- [State Regulations Index](https://titleloansunion.com/states): Summary table and legal breakdown of title loan legality, APR caps, maximum loan amounts, and regulators across all 50 states.
- [Alabama Title Loan Laws](https://titleloansunion.com/states/alabama): Legal under Ala. Code § 5-19A-1 (Pawnshop Act). Max APR: No cap (25%/mo). Regulated by Alabama State Banking Dept.
- [Alaska Title Loan Laws](https://titleloansunion.com/states/alaska): Prohibited under Alaska Stat. § 06.60.010 (Small Loans Act).
- [Arizona Title Loan Laws](https://titleloansunion.com/states/arizona): Legal under ARS § 6-601 et seq. Tiered interest caps (17%/mo under $500). Regulated by AZ DIFI.
- [Arkansas Title Loan Laws](https://titleloansunion.com/states/arkansas): Prohibited under Ark. Const. art. 19, § 13 (17% constitutional APR usury cap).
- [California Title Loan Laws](https://titleloansunion.com/states/california): Restricted under Cal. Fin. Code § 22000+ (AB 539 36% APR cap on $2.5k-$10k). Regulated by DFPI.
- [Colorado Title Loan Laws](https://titleloansunion.com/states/colorado): Prohibited under C.R.S. § 5-1-101 (36% APR cap under UCCC).
- [Connecticut Title Loan Laws](https://titleloansunion.com/states/connecticut): Prohibited under Conn. Gen. Stat. § 36a-555 (Small Loan Lending Act).
- [Delaware Title Loan Laws](https://titleloansunion.com/states/delaware): Legal under 5 Del. C. § 2201. No APR cap. Regulated by Office of State Bank Commissioner.
- [Florida Title Loan Laws](https://titleloansunion.com/states/florida): Legal under FS § 537 (Florida Title Loan Act). Tiered rates (30% first $2,000). Regulated by OFR.
- [Georgia Title Loan Laws](https://titleloansunion.com/states/georgia): Legal under O.C.G.A. § 44-12-130 (Title Pawn). Rates drop to 12.5%/mo after 90 days.
- [Hawaii Title Loan Laws](https://titleloansunion.com/states/hawaii): Prohibited under HI Rev. Stat. § 480E.
- [Idaho Title Loan Laws](https://titleloansunion.com/states/idaho): Legal under Idaho Code § 28-46-501 (Idaho Title Loan Act).
- [Illinois Title Loan Laws](https://titleloansunion.com/states/illinois): Legal with 36% APR cap under Predatory Loan Prevention Act (PLPA / 205 ILCS 670).
- [Indiana Title Loan Laws](https://titleloansunion.com/states/indiana): Prohibited under Ind. Code § 24-4.5-1-101 (UCCC).
- [Iowa Title Loan Laws](https://titleloansunion.com/states/iowa): Prohibited under Iowa Code § 537.1101 (Iowa Consumer Credit Code).
- [Kansas Title Loan Laws](https://titleloansunion.com/states/kansas): Legal under Kan. Stat. § 16a-1-101 (UCCC).
- [Kentucky Title Loan Laws](https://titleloansunion.com/states/kentucky): Prohibited under KRS § 286.4-410.
- [Louisiana Title Loan Laws](https://titleloansunion.com/states/louisiana): Legal under La. R.S. 9:3578.1 (Louisiana Motor Vehicle Sales Finance Act).
- [Maine Title Loan Laws](https://titleloansunion.com/states/maine): Prohibited under Me. Rev. Stat. tit. 9-A (Maine Consumer Credit Code).
- [Maryland Title Loan Laws](https://titleloansunion.com/states/maryland): Prohibited under Md. Code, Com. Law § 12-301 (Maryland Consumer Loan Law).
- [Massachusetts Title Loan Laws](https://titleloansunion.com/states/massachusetts): Prohibited under Mass. Gen. Laws ch. 140, § 96 (Small Loan Law).
- [Michigan Title Loan Laws](https://titleloansunion.com/states/michigan): Prohibited under MCL § 493.1 (Regulatory Loan Act).
- [Minnesota Title Loan Laws](https://titleloansunion.com/states/minnesota): Prohibited under Minn. Stat. § 47.601 (36% APR cap).
- [Mississippi Title Loan Laws](https://titleloansunion.com/states/mississippi): Legal under Miss. Code § 75-67-401 (Mississippi Title Pledge Act).
- [Missouri Title Loan Laws](https://titleloansunion.com/states/missouri): Legal under Mo. Rev. Stat. § 367.500 (Title Loan Act).
- [Montana Title Loan Laws](https://titleloansunion.com/states/montana): Prohibited under Mont. Code § 31-1-701 (36% APR Cap Initiative 164).
- [Nebraska Title Loan Laws](https://titleloansunion.com/states/nebraska): Prohibited under Neb. Rev. Stat. § 45-901 (36% APR cap under Initiative 428).
- [Nevada Title Loan Laws](https://titleloansunion.com/states/nevada): Legal under NRS 604A. 210-day cap on loan duration.
- [New Hampshire Title Loan Laws](https://titleloansunion.com/states/new-hampshire): Legal under RSA 399-A (36% APR cap).
- [New Jersey Title Loan Laws](https://titleloansunion.com/states/new-jersey): Prohibited under N.J.S.A. 17:11C-1 (30% APR usury ceiling).
- [New Mexico Title Loan Laws](https://titleloansunion.com/states/new-mexico): Legal under NMSA § 58-15-1 (36% APR cap under HB 132).
- [New York Title Loan Laws](https://titleloansunion.com/states/new-york): Prohibited under N.Y. Penal Law § 190.40 (25% criminal usury cap).
- [North Carolina Title Loan Laws](https://titleloansunion.com/states/north-carolina): Prohibited under N.C.G.S. § 53-164 (Consumer Finance Act).
- [North Dakota Title Loan Laws](https://titleloansunion.com/states/north-dakota): Prohibited under N.D.C.C. § 13-03.1-01 (36% interest ceiling).
- [Ohio Title Loan Laws](https://titleloansunion.com/states/ohio): Prohibited under ORC § 1321.35 (Fair Lending Act 28% APR cap).
- [Oklahoma Title Loan Laws](https://titleloansunion.com/states/oklahoma): Restricted under 14A O.S. § 3-101 (Uniform Consumer Credit Code).
- [Oregon Title Loan Laws](https://titleloansunion.com/states/oregon): Legal under ORS 725A.010 (36% APR cap plus $10 fee).
- [Pennsylvania Title Loan Laws](https://titleloansunion.com/states/pennsylvania): Prohibited under 7 P.S. § 6201 (Consumer Discount Company Act 6% usury limit).
- [Rhode Island Title Loan Laws](https://titleloansunion.com/states/rhode-island): Prohibited under R.I. Gen. Laws § 19-14-1 (Small Loan Law).
- [South Carolina Title Loan Laws](https://titleloansunion.com/states/south-carolina): Legal under S.C. Code § 37-3-101 ($600 minimum threshold).
- [South Dakota Title Loan Laws](https://titleloansunion.com/states/south-dakota): Prohibited under SDCL § 54-4-36 (Initiated Measure 21 36% APR cap).
- [Tennessee Title Loan Laws](https://titleloansunion.com/states/tennessee): Legal under T.C.A. § 45-15-101 (Title Pledge Act).
- [Texas Title Loan Laws](https://titleloansunion.com/states/texas): Legal under Credit Access Business (CAB) model (Tex. Fin. Code Ch. 393).
- [Utah Title Loan Laws](https://titleloansunion.com/states/utah): Legal under Utah Code § 7-24-101 (Title Lending Registration Act).
- [Vermont Title Loan Laws](https://titleloansunion.com/states/vermont): Prohibited under 8 V.S.A. § 2200 (18% usury limit).
- [Virginia Title Loan Laws](https://titleloansunion.com/states/virginia): Legal/Restricted under Va. Code § 6.2-1800 (Fair Lending Act 36% + prime cap).
- [Washington Title Loan Laws](https://titleloansunion.com/states/washington): Prohibited under RCW 31.45.010 (Check Cashers and Sellers Act).
- [West Virginia Title Loan Laws](https://titleloansunion.com/states/west-virginia): Prohibited under W. Va. Code § 46A-3-101 (Consumer Credit Act 31% cap).
- [Wisconsin Title Loan Laws](https://titleloansunion.com/states/wisconsin): Legal under Wis. Stat. § 138.16 (Maximum $25,000 or 50% vehicle value).
- [Wyoming Title Loan Laws](https://titleloansunion.com/states/wyoming): Prohibited under Wyo. Stat. § 40-14-101 (Uniform Consumer Credit Code).

## Educational Guides & Borrower Analysis

- [Title Loans vs Auto Pawn](https://titleloansunion.com/blog/title-loans-vs-auto-pawn): Detailed comparison of title retention vs. physical vehicle custody, loan-to-value ratios, and interest structures.
- [Car Title Loans Without a Job](https://titleloansunion.com/blog/car-title-loans-without-a-job): Proof of alternative income rules (disability, retirement, gig work, SSI) required for vehicle-secured loans.
- [Registration Loans vs Title Loans](https://titleloansunion.com/blog/registration-loans): Differences between vehicle registration financing and title-backed collateral loans.
- [Signature Loans vs Title Loans](https://titleloansunion.com/blog/signature-loans): Comparison of unsecured personal signature loans vs. secured vehicle title financing.
- [Salvage Title Loans](https://titleloansunion.com/blog/salvage): Underwriting criteria, valuation discounts, and state restrictions on lending against rebuilt and salvage vehicles.
- [RV Title Loans](https://titleloansunion.com/blog/rv): Valuation math (NADA Guides RV), marine/RV surveyor inspections, and LTV ratios for motorhomes and campers.
- [Boat Title Loans: How to Borrow Against Your Vessel](https://titleloansunion.com/blog/boat): Marine title loan rules, hull inspections, trailer titles, and comparison with dedicated marine loans.

## Financial Tools & Policies

- [Title Loan Calculator](https://titleloansunion.com/calculator): Interactive APR, monthly interest, and total cost repayment calculator for 30-day to 36-month loan terms.
- [Loan Qualification Portal](https://titleloansunion.com/get-started): Non-binding online eligibility check for vehicle title loans.
- [Editorial Policy & Methodology](https://titleloansunion.com/editorial-policy): Information on regulatory source verification, statutory review dates, and consumer research standards.
- [Privacy Policy & CCPA](https://titleloansunion.com/privacy-policy): Consumer data privacy standards, California Consumer Privacy Act compliance, and opt-out rights.

## Optional

- [Sitemap](https://titleloansunion.com/sitemap.xml): Full XML index of site URLs.
- [Robots.txt](https://titleloansunion.com/robots.txt): Search engine crawler directives.