Car title loans in Virginia
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Virginia title loan rules at a glance
| Governing law | Motor vehicle title loans (Va. Code Title 6.2, Chapter 22). A license is required to make title loans to Virginians, including online; no one may arrange or broker title loans for Virginians; loans made in violation are void. (Va. Code § 6.2-2201) |
|---|---|
| Maximum loan | No more than $2,500, and a lender may not have you owe it more than $2,500 in principal at any time. The vehicle may not already have a lien on it. (Va. Code §§ 6.2-2215.1(1), 6.2-2215(6), (12)) |
| Rate / fee cap | 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 is less. Repossession and sale costs charged to you are capped at 5% of the original loan amount, and you are never liable for storage fees. (Va. Code § 6.2-2216(A), (C)) |
| Maximum term | At least six months and no more than 24 months (a shorter term is allowed only if each monthly payment is no more than 5% of verified gross or 6% of verified net monthly income). Payments must be substantially equal. (Va. Code § 6.2-2215.1(2), (4)) |
| Renewals | Only one title loan at a time from any licensee; a lender may refinance a title loan only into another title loan that meets the Chapter 22 rules. A title lender may not lend to you while you owe a licensed short-term (payday) lender. (Va. Code §§ 6.2-2215(3), (4), 6.2-2216.2) |
| Repossession notice / right to cure | Except for fraud or voluntary surrender, the lender may not take the vehicle until you are in default. If it does not mail you a written default notice at least 10 days before repossessing (and you then fail to pay), it may not charge you repossession and sale costs, and it may not repossess before the date stated in the notice. At least 15 days before a sale it must tell you the sale date and the redemption amount, and you may redeem the vehicle any time before the sale. Interest stops accruing once the vehicle is repossessed, or 60 days after a missed payment (unless you are hiding the vehicle). The lender generally may not sue you personally; its remedy is the vehicle. (Va. Code §§ 6.2-2217(A), (B), (D), (E), 6.2-2216(B)) |
| Surplus after sale | Within 10 days after the lender receives the sale money, you are entitled to all proceeds above the redemption amount, less allowable repossession and sale costs not already included. (Va. Code § 6.2-2217(C)) |
Title loans online in Virginia
You can start a Virginia 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.
Credit services / credit access businesses
Not permitted for payday or title loans: arranging or brokering short-term or title loans is prohibited, and charges for 'brokering or obtaining a loan' are banned. (Va. Code §§ 6.2-1801(B), 6.2-2201(A)(2), 6.2-1816(2), 6.2-2215(2))
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Kentucky | Limited | Up to $15,000, excluding charges (consumer loan act limit). |
| Maryland | Not available | — |
| North Carolina | Not available | — |
| Tennessee | Legal | No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. |
| West Virginia | Not available | — |
| District of Columbia | Not available | — |
Title Loans by city in Virginia
Counties in Virginia
Show all 133 counties
Also see: Payday Loans in Virginia · Personal Loans in Virginia · All Virginia loan options
Frequently asked questions
Are title loans legal in Virginia?
Car title loans are legal in Virginia from lenders licensed under Chapter 22 of Title 6.2. Since 2021 they are installment loans of up to $2,500 over 6 to 24 months at no more than 36% interest plus a monthly maintenance fee of up to $15.
How much can you get for a title loan in Virginia?
No more than $2,500, and a lender may not have you owe it more than $2,500 in principal at any time. The vehicle may not already have a lien on it.
What interest can title lenders charge in Virginia?
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 is less. Repossession and sale costs charged to you are capped at 5% of the original loan amount, and you are never liable for storage fees.
When can a title lender repossess my car in Virginia?
Except for fraud or voluntary surrender, the lender may not take the vehicle until you are in default. If it does not mail you a written default notice at least 10 days before repossessing (and you then fail to pay), it may not charge you repossession and sale costs, and it may not repossess before the date stated in the notice. At least 15 days before a sale it must tell you the sale date and the redemption amount, and you may redeem the vehicle any time before the sale. Interest stops accruing once the vehicle is repossessed, or 60 days after a missed payment (unless you are hiding the vehicle). The lender generally may not sue you personally; its remedy is the vehicle.
Do I get money back if my car is sold in Virginia?
Within 10 days after the lender receives the sale money, you are entitled to all proceeds above the redemption amount, less allowable repossession and sale costs not already included.
Can I get a title loan online in Virginia?
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 Virginia title loan request in about 3 minutes.
How much can I get for a title loan in Virginia?
The amount depends mainly on your vehicle's value, along with your income and Virginia 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.
What do I need for a title loan in Virginia?
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 Virginia, 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 Virginia?
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 Virginia rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.