Service · Title loans
Title loans: your car is the collateral
1,736 storefront locations in our 2022-02-20 directory snapshot make loans against a vehicle title. Before you pledge the car: how the product works, what default costs, and where its storefronts actually sit.
The reality check
A different rulebook from payday — and a bigger downside
Title lending is regulated separately from payday law: some states that prohibit payday allow title loans, others ban both. Triple-digit APRs are common where the product is legal, and the collateral is the vehicle you drive to work. That trade — fast cash against your transportation — is the whole decision.
| Payday regime of the state | Title storefronts | Why it matters |
|---|---|---|
| Payday allowed | 1,003 | Title competes with payday — compare total repayment, not the pitch. |
| 36% APR cap | 144 | High-fee title products are constrained; licensed lenders fit under the cap. |
| CSO model | 545 | Brokered structure — judge the total, not the note rate. |
| Payday banned | 44 | A title storefront here is not a loophole — its own licence and rules still apply. |
Directory categories are the source's own; a store counts when its listing mentions title loans. Title-loan statutes are separate from the payday law on our state pages — confirm with the regulator before you sign anything.
Who lends
The chains behind the storefronts
Where they are
Cities with the most title storefronts
Houston, TX 61 
Las Vegas, NV 54 
Nashville, TN 21 
Albuquerque, NM 13 
Phoenix, AZ 11 
Bakersfield, CA 11 
Baton Rouge, LA 11 Questions people ask about title loans
What is a title loan?
A small-dollar loan secured by your paid-off vehicle: you hand the lender the title, keep driving the car, and repay over a short term — typically 30 days at rates that can reach triple-digit APR. The collateral is the point: default and the lender can repossess the vehicle.
Are title loans legal in my state?
Title lending is its own rulebook, separate from payday law — some states that ban payday allow title loans, and vice versa. This site's fee tables track payday statutes, so treat the state page as your starting point and the regulator it links as the source of truth for title lending specifically.
What happens if I cannot repay a title loan?
The lender can repossess and sell the vehicle, and some states allow them to keep the surplus or pursue the shortfall. Before renewing, ask for a payment plan in writing; after a repossession you are entitled to an accounting of the sale proceeds. The state regulator handles complaints.
Is a title loan ever the right call?
Only as a last resort with a repayment you have already budgeted — never for a debt you are unsure of. A credit-union PAL, an installment loan under your state cap, an employer advance or a payment plan with the bill in question cost less and put no vehicle at risk.
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Figures are directory facts (2022-02-20) and state law (September 2026) — not offers of credit. Nothing here is legal advice.