Car Title Loans in Washington2026 Guide
Car title loans are prohibited in Washington under the Consumer Loan Act (RCW § 31.04). Learn state interest rate caps, financial regulation rules, and legal alternatives in 2026.
Legal Status & Regulations
Governing Law
Wash. Rev. Code § 31.04
Last Reviewed: April 2026
Law Summary
High-cost car title loans are illegal in Washington under the Consumer Loan Act (RCW 31.04 et seq.), enforced by the Washington Department of Financial Institutions (DFI). Strict state APR caps prevent lenders from securing high-interest short-term loans with vehicle titles.
Real Rate Example in Washington
A $1,500 loan in Washington 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
WA Dept. of Financial Institutions