Car Title Loans in Missouri2026 Guide
Car title loans are legal in Missouri under the Missouri Title Loans Act (Mo. Rev. Stat. § 367.500). Learn maximum $5,000 loan limits, 100% total fee/interest caps, right to cure notices, and surplus refund rules in 2026.
Legal Status & Regulations
Governing Law
Mo. Rev. Stat. § 367.500
Last Reviewed: April 2026
Law Summary
Title lending in Missouri is authorized by the Missouri Title Loans Act (Mo. Rev. Stat. § 367.500 et seq.), governed by the Missouri Division of Finance. Maximum principal limits are $5,000 per loan. State law caps total cumulative interest and finance charges at 100% of the initial principal over the life of the loan. Lenders must issue written fee schedules and provide mandatory written default notices and a 10-day post-repossession redemption period before selling the vehicle. Any surplus proceeds from repossession auctions must be returned 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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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
$5,000
Max APR / Rate
No cap
Loan Term Range
30 days
Governing Body
MO Division of Finance