Car Title Loans in Pennsylvania2026 Guide
Car title loans are prohibited in Pennsylvania under the Consumer Discount Company Act (7 P.S. § 6201). Learn state usury caps (6%-24% APR) and legal debt alternatives in 2026.
Legal Status & Regulations
Governing Law
7 Pa. Stat. § 6201
Last Reviewed: April 2026
Law Summary
High-interest car title lending is illegal in Pennsylvania under the Consumer Discount Company Act (7 Pa. Stat. § 6201 et seq.) and the Loan Interest and Protection Law. Supervised by the Department of Banking and Securities, strict caps of 6% to 24% APR prevent lenders from offering high-cost vehicle title loans.
Real Rate Example in Pennsylvania
A $1,500 loan in Pennsylvania 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
Loan Regulations & Guides
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
PA Department of Banking and Securities