Car Title Lending By State
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There are currently 15 states that expressively allow car title lenders to operate and five others* that allow it via some type of legislative loophole.
States that allow car title lending include: Alabama, Delaware, Georgia, Mississippi, Tennessee, Missiouri, Illinois, Wisconsin, South Dakota, Montana, Idaho, Nevada, Utah, Arizona, New Mexico.
States that allow car title lending via a loophole include: South Carolina, Virginia, Texas, California, and Kansas.
*Notes on Car Title Loopholes: Kansas and Virginia allow CTL as open-ended lines of credit. Texas allows CTL to use a "Credit Services Organization" model. California and South Carolina only cap APRs up to a certain loan amount ($2,500 and $600 respectively).
