Car Title Loans in Vermont2026 Guide
Car title loans are prohibited in Vermont under state licensed lender laws (8 V.S.A. § 2201) with strict 18% APR usury caps. Learn legal borrowing alternatives in 2026.
Legal Status & Regulations
Governing Law
Vt. Stat. tit. 8, § 2201
Last Reviewed: April 2026
Law Summary
Car title loans are illegal in Vermont under licensed lender statutes (8 V.S.A. § 2201 et seq.) enforced by the Department of Financial Regulation. Vermont enforces a strict usury ceiling of 18% APR, preventing high-cost title lenders from operating within the state.
Real Rate Example in Vermont
A $1,500 loan in Vermont 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
VT Dept. of Financial Regulation