Car title loans in New York: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
New York title loan rules at a glance
| Governing law | General usury limits apply. (GOL 5-501; Penal Law 190.40) |
|---|---|
| Rate / fee cap | 16% civil usury; 25% criminal usury. (GOL 5-501; Penal Law 190.40) |
Your options in New York
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 New York personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Connecticut | Not available | — |
| Massachusetts | Not available | — |
| New Jersey | Not available | — |
| Pennsylvania | Not available | — |
| Vermont | Not available | — |
Personal loans by city in New York
Counties in New York
Show all 62 counties
Also see: Payday Loans in New York · Personal Loans in New York · All New York loan options
Frequently asked questions
Are title loans legal in New York?
New York has no title-lending law. Car-secured loans are subject to the same 16% civil and 25% criminal usury limits, so triple-digit title loans are illegal.
What interest can title lenders charge in New York?
16% civil usury; 25% criminal usury.
Can I get a title loan on a financed car in New York?
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 New York will tell you what they can offer.
Can I refinance my title loan in New York?
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 New York rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
How much can I get for a title loan in New York?
The amount depends mainly on your vehicle's value, along with your income and New York 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 New York?
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 New York title loan request in about 3 minutes.