Car title loans in Pennsylvania: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Pennsylvania title loan rules at a glance
| Governing law | Car-title loans of $50,000 or less are subject to the 6% Loan Interest and Protection Law cap unless made by a licensee under the Consumer Discount Company Act at that Act's rates. (41 P.S. § 201; 7 P.S. § 6203 (CDCA § 3)) |
|---|---|
| Rate / fee cap | 6% a year for unlicensed lenders on loans of $50,000 or less. (41 P.S. § 201) |
Your options in Pennsylvania
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 Pennsylvania personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Delaware | Legal | Subchapter V sets no maximum loan amount. |
| Maryland | Not available | — |
| New Jersey | Not available | — |
| New York | Not available | — |
| Ohio | Limited | — |
| West Virginia | Not available | — |
Personal loans by city in Pennsylvania
Counties in Pennsylvania
Show all 67 counties
Also see: Payday Loans in Pennsylvania · Personal Loans in Pennsylvania · All Pennsylvania loan options
Frequently asked questions
Are title loans legal in Pennsylvania?
Title loans are not licensed in Pennsylvania and are subject to the same usury limits. In 2024 the Department ordered TitleMax to show cause, alleging more than 5,000 Pennsylvania loans above the 6% cap by a lender never licensed under the Consumer Discount Company Act.
What interest can title lenders charge in Pennsylvania?
6% a year for unlicensed lenders on loans of $50,000 or less.
Can I refinance my title loan in Pennsylvania?
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 Pennsylvania 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 Pennsylvania?
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 Pennsylvania, 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 Pennsylvania?
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 Pennsylvania will tell you what they can offer.
How much can I get for a title loan in Pennsylvania?
The amount depends mainly on your vehicle's value, along with your income and Pennsylvania 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.