Car title loans in Indiana: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Indiana title loan rules at a glance
| Governing law | A small loan may not be secured by personal property of any type other than a check or electronic debit authorization. (IC 24-4.5-7) |
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Your options in Indiana
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 Indiana personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Illinois | Limited | — |
| Kentucky | Limited | Up to $15,000, excluding charges (consumer loan act limit). |
| Michigan | Not available | — |
| Ohio | Limited | — |
Personal loans by city in Indiana
Counties in Indiana
Show all 92 counties
Also see: Payday Loans in Indiana · Personal Loans in Indiana · All Indiana loan options
Frequently asked questions
Are title loans legal in Indiana?
Indiana small (payday) loans may not be secured by any personal property other than a check or debit authorization, so a payday loan cannot be a title loan. No Indiana law specifically licensing car title loans was confirmed.
How much can I get for a title loan in Indiana?
The amount depends mainly on your vehicle's value, along with your income and Indiana 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 get a title loan online in Indiana?
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 Indiana title loan request in about 3 minutes.
What do I need for a title loan in Indiana?
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 Indiana, 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 Indiana?
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 Indiana will tell you what they can offer.