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Loans in Connecticut: payday, personal & title loan laws (2026)

In Connecticut, payday loans are not allowed, car title loans are not allowed, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 9 counties and 35 cities with 10,000+ residents.

Request a personal loan in Connecticut

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  1. 1 Choose an amount and fill out the form
  2. 2 Get matched with a lender in our network
  3. 3 Review your offer and get funded, often next business day

Tip: apply on a weekday morning for the best chance of funding by the next business day.

No hard credit inquiry on our end; lenders may check your credit. Not a lender; approval, amount and terms come from the lender. Example: $1,000 over 12 months at 35.99% APR ≈ $100.46/month.

Payday Loans Not available

Payday loans are effectively banned in Connecticut.

Personal Loans

36% APR under $5,000; 25% APR $5,000-$50,000; all-in MLA-style APR.

Title Loans Not available

Car-title loans are effectively banned in Connecticut.

Connecticut at a glance

3,624,508
Residents
$95,781
Median household income
929
FDIC bank branches
245
Credit-union branches

Counties in Connecticut

Capitol Planning RegionGreater Bridgeport Planning RegionLower Connecticut River Valley Planning RegionNaugatuck Valley Planning RegionNortheastern Connecticut Planning RegionNorthwest Hills Planning RegionSouth Central Connecticut Planning RegionSoutheastern Connecticut Planning RegionWestern Connecticut Planning Region

Cities in Connecticut

BridgeportStamfordNew HavenHartfordWaterburyNorwalkDanburyNew BritainWest HartfordBristolMeridenWest HavenMilfordEast HartfordMiddletownSheltonNorwichManchesterTorringtonNaugatuckNewingtonEast HavenNew LondonWethersfieldNorth HavenAnsoniaWallingford CenterWillimanticStorrsGreenwichOrangeWindsor LocksDerbyBethelTrumbull Center

Frequently asked questions

Are payday loans legal in Connecticut?

Payday loans are effectively banned in Connecticut. A loan of $50,000 or less with an APR over 12% is a 'small loan' that requires a license. Licensed lenders are capped at 36% APR (under $5,000), measured all-in under the Military Lending Act. Loans that break these rules are void and uncollectible.

How much do payday loans cost in Connecticut?

36% APR (or the Military Lending Act maximum, if lower) for small loans under $5,000. APR includes essentially all fees.

Are title loans legal in Connecticut?

Car-title loans are effectively banned in Connecticut. A small loan (any loan of $50,000 or less above 12% APR) may not include a security interest. The only exception is a loan made solely to buy or refinance the vehicle, capped at 15%-19% APR.

What interest can title lenders charge in Connecticut?

A security interest in a motor vehicle is allowed only for a closed-end loan made solely to buy or refinance that vehicle. Those loans are capped at 15% APR (new), 17% (used, up to 2 model years old), or 19% (older used).

Is there a cap on personal loan interest rates in Connecticut?

36% APR under $5,000; 25% APR $5,000-$50,000; all-in MLA-style APR.

Do personal loan lenders need a license in Connecticut?

Yes. A small loan license is required to make, offer, solicit, broker, arrange, find, service, buy or advertise small loans to Connecticut borrowers, including online. A non-licensed lender's small loan that breaks the rules is void.

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