Car Title Loans in North Dakota2026 Guide
North Dakota prohibits title lending.
Legal Status & Regulations
Governing Law
N.D. Cent. Code § 13-03.1
Last Reviewed: April 2026
Law Summary
North Dakota prohibits high-interest title lending through its consumer finance laws (N.D. Cent. Code § 13-03.1). The state enforces strict interest rate caps on consumer loans, typically limiting APRs to levels that do not accommodate the traditional high-cost title loan model. This regulatory environment ensures that vehicle-secured loans remain within legal and affordable limits for North Dakota residents.
Real Rate Example in North Dakota
A $1,500 loan in North Dakota 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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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
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
ND Dept. of Financial Institutions