Car title loans in Washington: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Washington title loan rules at a glance
| Governing law | A small loan licensee may accept only a postdated check as security and may not accept any other property, title to property, or evidence of ownership as collateral. (RCW 31.45.073(6)) |
|---|---|
| Rate / fee cap | Any vehicle-secured consumer loan from a Consumer Loan Act licensee is limited to 25% a year simple interest (plus the allowed origination fee). (RCW 31.04.105(1), (2)) |
Your options in Washington
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 Washington personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Idaho | Legal | The loan, together with other title loans from the same lender on that vehicle, may not exceed the vehicle's retail… |
| Oregon | Legal | — |
Personal loans by city in Washington
Counties in Washington
Show all 39 counties
Also see: Payday Loans in Washington · Personal Loans in Washington · All Washington loan options
Frequently asked questions
Are title loans legal in Washington?
Washington has no car-title-loan law. Payday lenders may not take a vehicle title or other property as collateral, and Consumer Loan Act lenders are limited to 25% simple interest, so high-cost title loans are not available from licensed lenders.
What interest can title lenders charge in Washington?
Any vehicle-secured consumer loan from a Consumer Loan Act licensee is limited to 25% a year simple interest (plus the allowed origination fee).
How much can I get for a title loan in Washington?
The amount depends mainly on your vehicle's value, along with your income and Washington 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 on a financed car in Washington?
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 Washington will tell you what they can offer.
Can I refinance my title loan in Washington?
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 Washington 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 Washington?
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 Washington, 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.