Car title loans in Idaho
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Idaho title loan rules at a glance
| Governing law | Idaho Title Loan Act, Idaho Code ss. 28-46-501 to 28-46-509. A regulated lender license is required; an unlicensed title loan is void and the lender must return the title, vehicle and all payments. (Idaho Code ss. 28-46-502, 28-46-503) |
|---|---|
| Maximum loan | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail value under common appraisal guides. (Idaho Code s. 28-46-508(3)) |
| Rate / fee cap | No cap. Title loans are regulated consumer loans, and Idaho lets the finance charge be whatever rate the parties agree to. (Idaho Code ss. 28-46-502(2), 28-42-201(1)) |
| Maximum term | 30 days per agreement, with renewals allowed. (Idaho Code s. 28-46-506(1)) |
| Renewals | Allowed, and may be automatic. From the third renewal on, you must pay at least 10% of the original principal plus the finance charges due at each renewal. Interest and fees may not be added to principal on renewal. The lender must send written notice within 14 days of an automatic renewal. (Idaho Code ss. 28-46-506(3)-(4), 28-46-508(8)) |
| Repossession notice / right to cure | Before acting on a default, the lender must mail a 'Notice to Cure Default' giving you 10 days to cure. No finance charges accrue after the lender takes the vehicle. The lender's only recourse is the vehicle (no personal judgment) unless you blocked repossession, damaged the vehicle or committed fraud. (Idaho Code ss. 28-46-507, 28-46-508(2)) |
Title loans online in Idaho
You can start a Idaho title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Montana | Not available | — |
| Nevada | Legal | A title loan may not exceed the fair market value of the vehicle. |
| Oregon | Legal | — |
| Utah | Legal | A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on… |
| Washington | Not available | — |
| Wyoming | Limited | — |
Title Loans by city in Idaho
Counties in Idaho
Show all 44 counties
Also see: Payday Loans in Idaho · Personal Loans in Idaho · All Idaho loan options
Frequently asked questions
Are title loans legal in Idaho?
Car title loans are legal in Idaho under the Title Loan Act from lenders licensed to make regulated consumer loans. There is no rate cap; each agreement may last up to 30 days and can renew.
How much can you get for a title loan in Idaho?
The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail value under common appraisal guides.
What interest can title lenders charge in Idaho?
No cap. Title loans are regulated consumer loans, and Idaho lets the finance charge be whatever rate the parties agree to.
When can a title lender repossess my car in Idaho?
Before acting on a default, the lender must mail a 'Notice to Cure Default' giving you 10 days to cure. No finance charges accrue after the lender takes the vehicle. The lender's only recourse is the vehicle (no personal judgment) unless you blocked repossession, damaged the vehicle or committed fraud.
Can I refinance my title loan in Idaho?
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 Idaho rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
What do I need for a title loan in Idaho?
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 Idaho, 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 on a financed car in Idaho?
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 Idaho will tell you what they can offer.
How much can I get for a title loan in Idaho?
The amount depends mainly on your vehicle's value, along with your income and Idaho 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.