Car title loans in Vermont: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Vermont title loan rules at a glance
| Governing law | Loans secured by a motor vehicle are limited to 18% a year for current and previous model-year collateral and 20% a year for older collateral. (9 V.S.A. § 41a(b)(4)) |
|---|---|
| Rate / fee cap | 18% a year (current or previous model-year vehicle) or 20% a year (older vehicle). (9 V.S.A. § 41a(b)(4)) |
Your options in Vermont
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 Vermont personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Massachusetts | Not available | — |
| New Hampshire | Legal | — |
| New York | Not available | — |
Personal loans by city in Vermont
Counties in Vermont
Show all 14 counties
Also see: Payday Loans in Vermont · Personal Loans in Vermont · All Vermont loan options
Frequently asked questions
Are title loans legal in Vermont?
High-cost car title loans are not available in Vermont: vehicle-secured loans are capped at 18% a year (current and prior model year vehicles) or 20% (older vehicles), and any lender must be licensed by DFR.
What interest can title lenders charge in Vermont?
18% a year (current or previous model-year vehicle) or 20% a year (older vehicle).
What do I need for a title loan in Vermont?
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 Vermont, 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 refinance my title loan in Vermont?
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 Vermont rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
Can I get a title loan on a financed car in Vermont?
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 Vermont will tell you what they can offer.
Can I get a title loan online in Vermont?
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 Vermont title loan request in about 3 minutes.