Can I get a title loan in a different state?

Quick Answer No, you can't get a title loan in a different state. Title loans are usually regulated by state laws, and lenders typically require borrowers to provide proof of residency in the state where the loan is being offered.

Jack Woerner profile picture
Jack Woerner • Answer updated on Jun 26, 2023

Fact checked by Dwayne Dumesle

Sorry, but you will not be able to obtain a title loan outside of the state where you reside.

Title loans, like most loans, are usually regulated by specific state laws. And, as part of the application process, lenders ask borrowers to prove their residency in the state where they applied.

Learn: Can you get a title loan without a driver's license?

This policy helps to prevent the two big C's: confusion😕 and corruption😈. If you are in a state that prohibits loans against car titles, then you will not be able to obtain a title loan from your state, or any other state.

Currently, about half of the United States allows title loan lending. And those that do can differ greatly in terms of regulations.[1]

Regulations-smegulations, you say? Well, not so fast. Lenders want to stay in business so they have to abide by these laws.

Lending companies, and just about any other company, must abide by multiple state laws if they conduct business. However, lending companies are regulated more so than general businesses (like a donut shop or a barber shop), because of the amount of risk involved.

Learn: Can I get a title loan online?

It's also prudent from a legal sense to make sure borrowers:

  1. Are who they say they are
  2. Are eligible for a loan
  3. Are not running a scam

Title loans can be risky and heavily restricted. If you want to seek out an alternative way of getting some quick cash, you may want to check out other personal loans for bad credit.

  1. Auto Title Loans - Market practices and borrowers’ experiences ↩︎

profile avatar

My experience with Sound Financial has been absolutely incredible. I got the quick cash I needed without any hassles. The entire process was simple and transparent.