Car Title Loans in Washington2026 Guide
Washington prohibits title lending.
Legal Status & Regulations
Governing Law
Wash. Rev. Code § 31.04
Last Reviewed: April 2026
Law Summary
Washington prohibits high-interest title lending through the Consumer Loan Act (Wash. Rev. Code § 31.04). The state enforces strict interest rate caps on consumer loans, typically limiting APRs to 36% or lower. This regulatory framework prevents the operation of traditional high-APR title lenders, ensuring that vehicle-secured loans remain within affordable limits for Washington residents.
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
Consumer Finance & State Regulations Research
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