Car Title Loans in Vermont2026 Guide
Vermont prohibits title lending.
Legal Status & Regulations
Governing Law
Vt. Stat. tit. 8, § 2201
Last Reviewed: April 2026
Law Summary
Vermont prohibits high-interest title lending through its licensed lender laws (8 V.S.A. § 2201). The state enforces strict interest rate caps on consumer loans, typically limiting APRs to 18% or lower. These low caps make the traditional high-cost title loan model illegal in the state, ensuring that vehicle-secured debt remains affordable for Vermont residents.
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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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
VT Dept. of Financial Regulation