Truck Title Loans: Use Your Pickup's Value and Keep Driving
| What backs the loan | Your truck's title (a lien is recorded) |
|---|---|
| Do you keep driving? | Yes, as long as you make your payments |
| Amount based on | Truck value, income and state limits |
| Typical documents | ID, title in your name, proof of income, insurance |
| State rules | Allowed in some states, limited or banned in others |
| Our service | Free, about 3 minutes, no obligation |
How a truck title loan works
A truck title loan works the same way as a car title loan. You borrow against the value of a vehicle you own. The lender records a lien on the title, you keep the truck and keep driving it, and the lien comes off when the loan is paid in full. If you don't repay as agreed, the lender can repossess the vehicle under your state's rules, so choose an amount you can comfortably handle.
Because the truck secures the loan, lenders usually care less about your credit score and more about two things: what the truck is worth and whether your income covers the payments. That makes a pickup a strong asset for people with fair or poor credit who need cash quickly.
See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.
Why trucks can be valued differently from cars
Lenders typically estimate a vehicle's resale or wholesale value, then lend a portion of it. Pickups and full-size SUVs often keep their value longer than many sedans, so the same age and mileage can support a larger offer. What lenders look at:
- Year, make, model and trim. Crew cab, 4x4 and higher trims usually appraise higher.
- Mileage and condition. Body damage, rust, warning lights and worn tires lower the number.
- Modifications. Lift kits, custom wheels and aftermarket parts rarely add appraised value, and some lenders discount heavy modifications.
- Title brand. A clean title appraises best. Some lenders work with rebuilt titles; salvage titles are harder.
- Your state's maximum. Some states cap title loans regardless of value. Tennessee, Mississippi and Virginia, for example, each cap a title loan at $2,500.
For a rough sense of how much you could borrow, see how much can I get for a title loan.
Lien and title rules that matter for trucks
- The title should be in your name. If it lists two owners, the lender may need both to sign.
- Paid off is easiest. If you still owe on the truck, some lenders can work with your equity. See title loans on a financed car.
- Business-titled trucks. Consumer title lenders generally lend on personal vehicles. A work truck titled to an LLC or company may not qualify for a consumer loan.
- Insurance. Many lenders ask for proof of insurance, and some require coverage that protects the vehicle.
- Commercial rigs. Semi-trucks and commercial equipment are usually financed through business lenders, not consumer title loans. If you drive for a living and need personal cash, see loans for truck drivers.
The full checklist is in title loan requirements.
Vehicle title loans: trucks, SUVs, bikes and RVs
"Vehicle title loans" is the umbrella term. Most title lenders accept cars, pickups, SUVs and vans, and many also lend on other titled vehicles:
| Vehicle | What to know | Guide |
|---|---|---|
| Pickup or SUV | Often strong resale value; condition and trim matter | This page |
| Car | The most common title loan | Car title loans |
| Motorcycle | Smaller amounts; must be street-legal | Motorcycle title loans |
| RV or camper | Lender policies vary widely | RV title loans |
Bike title loans usually come in lower than truck loans because motorcycles are worth less. TitleMax, for example, lists motorcycle loans of up to $3,000 in most of its markets and up to $2,500 in Arizona and Tennessee (official site, checked October 25, 2026).
Where truck title loans are available
Title lending is set state by state. Some states allow single-payment title loans, some allow only installment title loans, a few use title pawns, and others don't allow them at all. Your truck's value doesn't change those rules. Check your state on title loan laws by state.
| State | Title loans | Max loan | Rate cap | Repossession rules |
|---|---|---|---|---|
| Alabama | Legal | — | Pawnshop charge of up to 25% of the principal per month. | You do not have to redeem or make payments. |
| Alaska | Limited | — | — | — |
| Arizona | Legal | — | Maximum monthly finance rate by original principal: 17% for $500 or less; 15% for over $500 to $2,500; 13% for over $2,500 to $5,000; 10%… | — |
| Arkansas | Not available | — | 17% per year. | — |
| California | Legal | — | Under $2,500: tiered statutory caps of roughly 12% to 30% a year, depending on balance. | If you miss payments or default, the lender can repossess the car. |
| Colorado | Limited | — | — | — |
| Connecticut | Not available | — | A security interest in a motor vehicle is allowed only for a closed-end loan made solely to buy or refinance that vehicle. | — |
| Delaware | Legal | Subchapter V sets no maximum loan amount. | No statutory rate cap. | Before repossessing or suing, the lender must offer a workout agreement that reduces the debt by at least 10% a month, and give you at… |
| District of Columbia | Not available | — | 24% per year. | — |
| Florida | Legal | — | 30% a year on the first $2,000 of principal, 24% a year on the part between $2,000 and $3,000, and 18% a year on the part above $3,000. | At least 10 days before selling a repossessed vehicle, the lender must tell you the date, time and place of the sale and give you a written… |
| Georgia | Legal | — | Interest plus pawnshop charges may not exceed 25% of the principal per 30-day period for the first 90 days (minimum charge up to $10), then… | On default the pawnbroker may take the vehicle without going to court if it can do so without a breach of the peace, or by court action. |
| Hawaii | — | — | — | |
| Idaho | Legal | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail value under… | No cap. | Before acting on a default, the lender must mail a 'Notice to Cure Default' giving you 10 days to cure. |
| Illinois | Limited | — | 36% APR, all-in (Military Lending Act method). | — |
| Indiana | — | — | — | |
| Iowa | Limited | — | 21% a year on the unpaid amount financed, except as authorized under chapter 536 or 536A. | — |
| Kansas | Legal | — | No rate cap: for open-end consumer credit a lender may charge any rate agreed to, but prepaid finance charges are limited to the lesser of… | If you default, the lender may repossess the vehicle and sell it to repay the debt. |
| Kentucky | Limited | Up to $15,000, excluding charges (consumer loan act limit). | Same tiered limits as other consumer loans: 3% per month on loans up to $5,000; 2.42% per month for $5,000-$10,000; 2.25% per month above… | — |
| Louisiana | Legal | — | The general consumer-loan finance charge limits apply: 36% a year on the first $1,400 of principal, 27% on $1,400-$4,000, 24% on… | — |
| Maine | Not available | — | — | — |
| Maryland | Not available | — | Same caps as other consumer loans: Interest on loans of $2,000 or less is capped at 2.75% a month (33% a year) on the first $1,000 and 2% a… | For loans made under the higher § 12-306(a)(6) rates and secured by personal property, the lender must follow Commercial Law § 12-115 on… |
| Massachusetts | Not available | — | Licensed small loan companies may charge no more than 23% a year on the unpaid balance (actuarial method), plus a $20 administrative fee… | — |
| Michigan | Not available | — | Licensed (regulated) lenders may charge up to 25% a year. | — |
| Minnesota | Legal | The title-loan statute covers loans of $1,000 or less. | Total interest and fees may not exceed what a pawnbroker may charge: 3% per month of the amount advanced plus a reasonable storage/service… | A vehicle covered by a title pawn may not be sold until 90 days after the vehicle is recovered. |
| Mississippi | Legal | A title pledge on any single vehicle title may not exceed $2,500. | The service charge may not exceed 25% of the principal per month (about 300% a year), in place of all interest and other charges. | If you don't redeem by the maturity date, the lender may repossess without going to court if it can do so without a breach of the peace. |
| Missouri | Legal | A title lender may not make a loan over $5,000. | No fixed rate cap: title lenders charge simple interest at rates agreed by the parties, plus only the fees allowed by RSMo 408.140. | 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… |
| Montana | Not available | — | Vehicle-secured personal loans fall under the Montana Consumer Loan Act, where interest may not exceed 36% a year. | — |
| Nebraska | Not available | — | Installment loans, secured or unsecured, are capped at 24% a year on the first $1,000 of unpaid principal and 21% on the rest. | — |
| Nevada | Legal | A title loan may not exceed the fair market value of the vehicle. | No APR cap on the original loan. | No repossession before default. |
| New Hampshire | Legal | — | Interest may not exceed 25% per month. | — |
| New Jersey | Not available | — | Criminal usury limit of 30% a year for individual borrowers. | — |
| New Mexico | Not available | — | 36% APR all-in. | — |
| New York | Not available | — | 16% civil usury; 25% criminal usury. | — |
| North Carolina | Not available | — | Same as Consumer Finance Act installment loans: 33% / 24% / 18% tiers. | — |
| North Dakota | Limited | — | A licensed lender may not charge finance charges above 36% a year, including fees charged at origination. | — |
| Ohio | Limited | — | No title-loan-specific rate. | — |
| Oklahoma | Limited | — | Supervised loans: the greater of (a) 32% plus the federal funds rate on the first $7,000 of principal, 23% plus the federal funds rate on… | — |
| Oregon | Legal | — | 36% a year, plus a one-time origination fee of $10 per $100 or $30, whichever is less. | The contract may not let interest keep running after the vehicle is repossessed. |
| Pennsylvania | Not available | — | 6% a year for unlicensed lenders on loans of $50,000 or less. | — |
| Rhode Island | Limited | — | For loans of $5,000 or less: 3% a month up to $300, 2.5% a month on $300-$800, 2% a month on $800-$5,000. | — |
| South Carolina | Legal | A short-term vehicle secured loan may not exceed the car's fair market retail value under common industry appraisal guides. | No fixed cap for supervised loans with a cash advance over $600: the lender may charge any rate it files and posts with the Department of… | On a short-term vehicle secured loan, unless you committed fraud, the lender's only remedy on default is to repossess and sell the car. |
| South Dakota | Not available | — | 36% a year, including all fees. | — |
| Tennessee | Legal | No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. | Interest of up to 2% per month, plus fees of no more than one-fifth (20%) of the original principal per 30-day period. | On default, the lender may repossess the vehicle without court process if it can do so without a breach of the peace. |
| Texas | Legal via CSO/CAB | — | No state cap on the CAB's fee; fees are as agreed and must be disclosed. | The CAB must warn you in writing that on default you may have to surrender the vehicle. |
| Utah | Legal | A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on the same… | No cap. | Except in a case of borrower fraud, if you default the lender's only remedy is to repossess and sell the vehicle. |
| Vermont | Not available | — | 18% a year (current or previous model-year vehicle) or 20% a year (older vehicle). | — |
| Virginia | Legal | No more than $2,500, and a lender may not have you owe it more than $2,500 in principal at any time. | Simple interest of no more than 36% a year, plus a monthly maintenance fee of no more than 8% of the original loan amount or $15, whichever… | Except for fraud or voluntary surrender, the lender may not take the vehicle until you are in default. |
| Washington | Not available | — | Any vehicle-secured consumer loan from a Consumer Loan Act licensee is limited to 25% a year simple interest (plus the allowed origination… | — |
| West Virginia | Not available | — | 31% a year on loans of $3,500 or less (not secured by real estate); 27% on loans over $3,500 up to $15,000; 18% on loans over $15,000. | — |
| Wisconsin | Legal | $25,000, and no more than 50% of the vehicle's retail value. | No limit on interest before the maturity date. | Except for voluntary surrender, the lender must send you notice at least 20 days before taking the vehicle, stating its intent and the… |
| Wyoming | Limited | — | Same as other consumer loans: 36% a year on the part of the unpaid principal up to $1,000 and 21% a year on the part above $1,000… | — |
Verified against state statutes and regulators; click a state for citations. Last verified 2026-10-25.
Live where title loans aren't offered? A personal installment loan doesn't use your truck at all, and our same form can match you with those lenders. Active-duty service members and their dependents are covered by the Military Lending Act; see our MLA guide.
What a truck title loan costs
Costs depend on your state, the lender and whether the loan is repaid in one payment or in installments. Some states set monthly fee caps; others set rate caps on installment title loans. In Virginia, for example, title loans are installment loans of 6 to 24 months with interest capped by statute plus a maintenance fee of no more than $15 a month. Your lender shows the exact amount, fees, APR, payment schedule and total to repay before you sign.
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.
For state-by-state fee rules, see title loan interest rates.
Truck title loan or personal loan?
Both can work, and the right fit depends on your situation:
- Choose a truck title loan if your credit is thin or damaged, the truck has solid value, and title lending is allowed in your state. The vehicle can carry more weight in the decision than your score.
- Choose a personal installment loan if you'd rather not put the truck up as security, if title loans aren't offered where you live, or if you want fixed monthly payments over a longer term.
You don't have to decide alone. Our form asks a few questions about your income and what you need, and lenders in our network that serve your state can respond with the products they offer. Compare the two side by side in title loan vs. personal loan.
How to get the best offer on your truck
- Clean it up and note recent work. New tires or brakes help condition scores.
- Have your title, ID, insurance card and proof of income ready.
- Ask for what you need. A smaller amount is easier to approve and to repay.
- Know your payoff options. Ask whether you can pay early without a penalty.
- Compare offers. One form through our network can reach several lenders at once.
Zebra Finance is a free loan-matching service, not a lender. Lenders in our network make their own decisions and show you full terms before you accept. Learn more in how it works.
See if you qualify — it takes about 3 minutes. Start your free request. There is no obligation to accept an offer.
Frequently asked questions
Can I get a title loan on my truck?
Usually, yes, if the truck is titled in your name, has enough value and title loans are allowed in your state. Lenders look at the truck's year, model, mileage and condition plus your income. You keep driving the truck while you repay. If title loans aren't offered where you live, a personal loan may be an option.
How much can I get for a truck title loan?
It depends on the truck's appraised value, your income and your state's limits. Lenders lend a portion of the value, not the full amount, and some states cap title loans at a set dollar amount, such as $2,500 in Tennessee, Mississippi and Virginia. Your lender gives you the exact offer after reviewing the vehicle.
Do you need a paid-off truck for a title loan?
A paid-off truck with a clear title is easiest. Some lenders can work with a truck you still owe on if you have equity, often by paying off the existing loan or taking a second position. Requirements vary by lender and state, so check the details with the lender before you accept an offer.
Can I get a title loan on a work truck?
If the truck is titled to you personally, it can qualify like any other pickup. Trucks titled to a business, and commercial vehicles like semis, usually go through business lenders instead of consumer title lenders. If you need personal cash, a consumer title loan or personal loan in your own name may fit.
Do motorcycles qualify for title loans?
Many title lenders accept street-legal motorcycles, though amounts are usually smaller than for trucks or cars because bikes are worth less. The bike should be titled in your name and in good running condition. See our motorcycle title loan guide for details on what lenders look at.
Do truck title loans check credit?
Credit usually matters less because the truck secures the loan. Many lenders focus on vehicle value and income and may use alternative credit data instead of a traditional hard pull from the big three bureaus. Each lender sets its own process and explains it before you accept an offer.
Sources
- FTC — What To Know About Payday and Car Title Loans
- Va. Code § 6.2-2216 — Motor vehicle title loan charges
- TitleMax — official site