Car Title Loans in Idaho2026 Guide
Car title loans are legal in Idaho under the Idaho Title Loan Act (Idaho Code § 28-46-501). Learn 30-day agreement terms, renewal requirements, licensing rules, and repossession guidelines in 2026.
Legal Status & Regulations
Governing Law
Idaho Code § 28-46-501
Last Reviewed: April 2026
Law Summary
Title loans in Idaho are regulated by the Idaho Department of Finance under the Idaho Title Loan Act (Idaho Code § 28-46-501 et seq.). Idaho does not set a statutory cap on APR or loan amounts, but lenders must be licensed and execute written 30-day agreements. Idaho law requires lenders to allow at least two loan renewals provided the borrower pays at least 10% of the original principal. Upon default, lenders must provide formal notice before vehicle sale and allow redemption opportunities.
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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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
30 days
Governing Body
Idaho Department of Finance