Car title loans in Connecticut: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Connecticut title loan rules at a glance
| Governing law | Small Loan Lending and Related Activities (Conn. Gen. Stat. § 36a-558(d)(10), (e)(7)) |
|---|---|
| Rate / fee cap | 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). (Conn. Gen. Stat. § 36a-558(e)(7)) |
Your options in Connecticut
Payday loans aren't offered by state-licensed lenders here, but you can still request a personal installment loan of $100 to $5,000 through our form. Installment loans spread repayment over several months, so each payment is smaller. See Connecticut personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Massachusetts | Not available | — |
| New York | Not available | — |
| Rhode Island | Limited | — |
Personal loans by city in Connecticut
Counties in Connecticut
Show all 9 counties
Also see: Payday Loans in Connecticut · Personal Loans in Connecticut · All Connecticut loan options
Frequently asked questions
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).
What do I need for a title loan in Connecticut?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Connecticut, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
Can I get a title loan online in Connecticut?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Connecticut title loan request in about 3 minutes.
How much can I get for a title loan in Connecticut?
The amount depends mainly on your vehicle's value, along with your income and Connecticut rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I refinance my title loan in Connecticut?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Connecticut rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.