Car Title Loans in Nebraska2026 Guide
Nebraska does not permit title lending.
Legal Status & Regulations
Governing Law
Neb. Rev. Stat. § 45-101
Last Reviewed: April 2026
Law Summary
Nebraska prohibits high-interest title lending following a voter-approved initiative that capped interest rates on payday and title loans at 36% APR (Neb. Rev. Stat. § 45-101). This strict cap makes the traditional high-cost title loan model unfeasible in the state. Lenders must comply with these rate limits, providing significant protection for Nebraska consumers against predatory vehicle-secured debt.
Real Rate Example in Nebraska
A $1,500 loan in Nebraska at a typical market rate of 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
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
NE Dept. of Banking and Finance