Car Title Loans in Idaho2026 Guide
Idaho allows title loans with robust disclosure requirements.
Legal Status & Regulations
Governing Law
Idaho Code § 28-46-501
Last Reviewed: April 2026
Law Summary
Governed by the Idaho Title Loan Act (Idaho Code § 28-46-501). Idaho does not cap interest rates, but it does require lenders to be licensed and provide extensive disclosures. Loans are limited to 30-day terms, and lenders must allow at least two renewals if the borrower pays at least 10% of the original principal amount. Idaho also provides certain protections during the repossession process, including a requirement for lenders to provide a notice of the intent to sell the vehicle after repossession. Borrowers have a limited window to redeem the vehicle by paying the full balance due. Because there are no rate caps, Idaho residents are strongly advised to compare multiple lenders and understand the long-term cost of the loan.
Real Rate Example in Idaho
A $1,500 loan in Idaho at a typical market rate of No cap APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
30 days
Governing Body
Idaho Department of Finance