Car title loans in Maine: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Maine title loan rules at a glance
| Governing law | Maine's pawn law defines pawnable 'tangible personal property' to include motor vehicles but not documents evidencing title to motor vehicles, so a pawnshop cannot make a loan held only by your car title. The Bureau describes vehicle title loans as generally prohibited in Maine. (30-A M.R.S. §3960(3)) |
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Your options in Maine
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 Maine personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| New Hampshire | Legal | — |
Personal loans by city in Maine
Counties in Maine
Show all 16 counties
Also see: Payday Loans in Maine · Personal Loans in Maine · All Maine loan options
Frequently asked questions
Are title loans legal in Maine?
Vehicle title loans are generally prohibited in Maine, according to the Bureau of Consumer Credit Protection. Maine's pawnbroker law excludes documents of title to motor vehicles from the property a pawnbroker may lend against.
How much can I get for a title loan in Maine?
The amount depends mainly on your vehicle's value, along with your income and Maine 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 on a financed car in Maine?
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 Maine will tell you what they can offer.
Can I get a title loan online in Maine?
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 Maine title loan request in about 3 minutes.
Can I refinance my title loan in Maine?
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 Maine rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.