Car title loans in District of Columbia: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
District of Columbia title loan rules at a glance
| Governing law | Interest rate ceiling; Money Lenders (D.C. Code §§ 28-3301, 26-905) |
|---|---|
| Rate / fee cap | 24% per year. (D.C. Code § 28-3301(a)) |
Your options in District of Columbia
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 District of Columbia personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Maryland | Not available | — |
| Virginia | Legal | No more than $2,500, and a lender may not have you owe it more than $2,500 in principal at any time. |
Personal loans by city in District of Columbia
Counties in District of Columbia
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Also see: Payday Loans in District of Columbia · Personal Loans in District of Columbia · All District of Columbia loan options
Frequently asked questions
Are title loans legal in District of Columbia?
There is no title-loan law in DC. The 24% a year interest cap, with all fees included for licensed money lenders, applies to loans secured by a car title, which leaves no room for typical title loans.
What interest can title lenders charge in District of Columbia?
24% per year.
Can I get a title loan on a financed car in District of Columbia?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving District of Columbia will tell you what they can offer.
Can I refinance my title loan in District of Columbia?
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 District of Columbia rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
Can I get a title loan online in District of Columbia?
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 District of Columbia title loan request in about 3 minutes.
What do I need for a title loan in District of Columbia?
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 District of Columbia, 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.