Car title loans in Missouri
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Missouri title loan rules at a glance
| Governing law | Missouri title loan law, RSMo 367.500-367.533. Anyone acting as a title lender without a title loan license faces civil and criminal penalties. (RSMo 367.500-367.533; 367.506) |
|---|---|
| Maximum loan | A title lender may not make a loan over $5,000. (RSMo 367.527.1(2)) |
| Rate / fee cap | No fixed rate cap: title lenders charge simple interest at rates agreed by the parties, plus only the fees allowed by RSMo 408.140. (RSMo 367.515; 408.100) |
| Maximum term | The title loan agreement may be for any agreed period of at least 30 days. (RSMo 367.512.1(3)) |
| Renewals | The lender must renew on your written request when you pay the interest due. Starting with the third renewal, each renewal must reduce the principal by 10% until the loan is paid off. (RSMo 367.512.1(4)) |
| Repossession notice / right to cure | After a payment default, the lender may not repossess or accelerate the loan until 20 days after it sends you a notice of your right to cure. You can cure by paying the past-due amount (plus any delinquency charges) within that period. (RSMo 408.555.1; 367.512.1(6)) |
Title loans online in Missouri
You can start a Missouri 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 |
|---|---|---|
| Arkansas | Not available | — |
| Illinois | Limited | — |
| Iowa | Limited | — |
| Kansas | Legal | — |
| Kentucky | Limited | Up to $15,000, excluding charges (consumer loan act limit). |
| Nebraska | Not available | — |
| Oklahoma | Limited | — |
| Tennessee | Legal | No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. |
Title Loans by city in Missouri
Counties in Missouri
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Also see: Payday Loans in Missouri · Personal Loans in Missouri · All Missouri loan options
Frequently asked questions
Are title loans legal in Missouri?
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533. Interest is set by agreement (no rate cap), loans are limited to $5,000, and principal must be paid down after the second renewal.
How much can you get for a title loan in Missouri?
A title lender may not make a loan over $5,000.
What interest can title lenders charge in Missouri?
No fixed rate cap: title lenders charge simple interest at rates agreed by the parties, plus only the fees allowed by RSMo 408.140.
When can a title lender repossess my car in Missouri?
After a payment default, the lender may not repossess or accelerate the loan until 20 days after it sends you a notice of your right to cure. You can cure by paying the past-due amount (plus any delinquency charges) within that period.
Can I get a title loan on a financed car in Missouri?
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 Missouri will tell you what they can offer.
Can I get a title loan online in Missouri?
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 Missouri title loan request in about 3 minutes.
What do I need for a title loan in Missouri?
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 Missouri, 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.
How much can I get for a title loan in Missouri?
The amount depends mainly on your vehicle's value, along with your income and Missouri 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.