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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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
ND Dept. of Financial Institutions