Car Title Loans in Oklahoma2026 Guide
Oklahoma allows title loans but with significant rate restrictions.
Legal Status & Regulations
Governing Law
Okla. Stat. tit. 59, § 1501
Last Reviewed: April 2026
Law Summary
Oklahoma title loans are technically structured as "title pawns" under the Oklahoma Pawnshop Act (Okla. Stat. tit. 59, § 1501). Interest rates are capped at 20% per month for the first $500 and 10% per month for amounts above that. Lenders must be licensed and provide a written pawn ticket with all terms and conditions.
Real Rate Example in Oklahoma
A $1,500 loan in Oklahoma at a typical market rate of Capped 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
Varies
Max APR / Rate
Capped
Loan Term Range
Varies
Governing Body
OK Dept. of Consumer Credit