Information only, not advice
Everything published on titlepawn.org is general consumer information. It is not legal, tax, accounting, or financial advice, and it is not a substitute for advice from a qualified professional licensed in your jurisdiction. Reading a page on this Site does not create an advisory relationship between you and us.
No lender relationship
TitlePawn.org is not a lender, broker, lead aggregator, or financial advisor. We do not originate, fund, service, modify, refinance, or facilitate any loan. We do not recommend or rank specific lenders. The presence of a state or city page on the Site does not mean any specific lender operates in that area, and it does not constitute a recommendation to take out a title loan.
Title loans are high-cost credit
Title pawns and title loans are among the most expensive forms of consumer credit available in the United States. Annual percentage rates commonly range from 36% to 300% depending on the state, and rolling a loan over — paying interest to extend the term — can multiply the total cost quickly. Failure to repay can result in repossession and sale of your vehicle, and you may still owe a deficiency balance after the sale. Before borrowing, evaluate cheaper alternatives and confirm you can repay on the original schedule.
Calculator and tool outputs are estimates
The calculator and any other interactive tools on the Site provide estimates based on simplified assumptions about state APR ranges and standard amortization. They are not loan offers, not credit decisions, and not guarantees of the rate, fee, or payment any lender will quote you. Specific lender terms vary; the disclosures a licensed lender is required to give you under state and federal law are the authoritative numbers for any specific loan.
State and federal law varies
Title-loan rules — including whether the product is permitted at all — are set primarily by state law. State rules change. We strive to keep state-level summaries accurate and review them periodically, but the current statute, regulator interpretation, and case law in your state are authoritative. Verify the current rules with your state regulator or a licensed attorney before relying on a Site page.
Third-party content and advertising
The Site links to third-party websites and may display advertising served by Google AdSense and other third-party ad networks. We do not control, endorse, or assume responsibility for the content, products, or services of any third party found through the Site. Any dealings you have with a third-party site, advertiser, or lender you reach through the Site are solely between you and that third party. Read our Privacy Policy for how third-party advertising cookies work and how to opt out.
Accuracy and updates
We strive for accuracy but do not warrant that the Site is complete, current, or error-free. If you spot something that looks wrong, please email [email protected] — we update pages quickly when we’re given a clear, sourced correction. The visible “Last reviewed on” date at the top of substantive pages reflects the most recent editorial review.
Where to get personalized help
For situation-specific guidance, especially if you are behind on a title loan or facing repossession, contact a non-profit credit counsellor accredited by the National Foundation for Credit Counseling, a HUD-approved housing counsellor (where the issue intersects with housing), or a consumer-protection attorney licensed in your state. Many state attorneys-general also operate consumer hotlines for predatory-lending complaints.
Acceptance
By using the Site, you acknowledge and accept the limitations described in this Disclaimer and in our Terms of Use.