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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Title Loans Union Editorial Team
Consumer Finance & State Regulations Research
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