Car Title Loans in Missouri2026 Guide
Missouri allows title loans with a $5,000 limit.
Legal Status & Regulations
Governing Law
Mo. Rev. Stat. § 367.500
Last Reviewed: April 2026
Law Summary
The Missouri Title Loans Act (Mo. Rev. Stat. § 367.500) regulates these transactions. The maximum loan amount is $5,000. While there is no interest rate cap, the total interest and fees cannot exceed 100% of the original principal amount over the life of the loan. Loans are 30-day terms with mandatory disclosure requirements. Missouri law requires lenders to provide a written agreement that includes the APR, the total amount of all fees, and the payment schedule. A key protection in Missouri is the requirement for lenders to provide a notice before repossession and a 10-day period after repossession during which the borrower can redeem the vehicle. Lenders must also provide a detailed accounting of the sale of any repossessed vehicle and return any surplus funds to the borrower.
Real Rate Example in Missouri
A $1,500 loan in Missouri 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
$5,000
Max APR / Rate
No cap
Loan Term Range
30 days
Governing Body
MO Division of Finance