Last reviewed on April 27, 2026.
TitlePawn.org is an independent consumer information site. We don't make loans and we don't sell leads — we publish plain-language guides, a free calculator, and state-by-state summaries so you can decide whether a title loan makes sense for you.
A title loan (also called a title pawn) is a short-term loan secured by your vehicle. The lender holds your title; you keep driving the car. If you don't repay on time, the lender can repossess and sell the vehicle to recover what's owed.
Title loans are easy to qualify for compared to traditional credit, but they are among the most expensive forms of consumer borrowing in the United States. Annual percentage rates commonly run between 36% and 300% depending on the state, and rolling a loan over — paying interest to extend the term — can multiply the total cost quickly.
That's why every page on this site is built around the same idea: understand the cost, exhaust the alternatives, and only then decide.
Step-by-step walkthrough of the application, valuation, and repayment process. Read the FAQ →
Estimate monthly payment, total interest, and total repayment using our free calculator. Open the calculator →
Title-loan rules vary widely by state. Several states ban or cap them outright. See the state map →
Move the slider, pick a term, and see an estimated monthly payment. The numbers update as you type. This is informational only — actual lender quotes can differ.
The two terms are often used interchangeably, but the legal mechanics can differ by state.
Timeline, your rights, and what happens to the surplus or deficiency after the lender sells the car.
Credit-union PALs, hardship plans, employer advances, and other options to try first.
A printable checklist of contract terms to verify, calculations to run, and red flags to watch for.
A high-level map of where title loans are permitted, capped, restricted, or banned outright.
Twelve common questions about requirements, rates, repayment, and what happens if you fall behind.
Jump to a state for an APR summary, requirements, and city-level pages.
Everything published here is general consumer information. We aim for accuracy, but rules and rates change — so do not treat any page on this site as legal, tax, or financial advice. Specific lender terms vary; always confirm directly with the lender and review your contract before signing.
If you spot an error or have a question about something we've published, we want to hear about it. Email us at [email protected].