Title Loans in Idaho

Title loans in Idaho: the rules

Rules marked "medium confidence" were checked against a published copy of the statute because the official site was unavailable to us. Confirm them with the official text before relying on them.

• No person may engage in the business of making title loans without first obtaining a license from the administrator. A title loan made without a license is void. Source: Idaho Code § 28-46-503 · verified Oct 9, 2026 · medium confidence
• A title loan agreement cannot exceed 30 days in length, although it may provide for renewals. Source: Idaho Code § 28-46-506(1) · verified Oct 9, 2026 · medium confidence
• Beginning with the third renewal of a title loan, the borrower must pay at least 10 percent of the original principal in addition to finance charges. Source: Idaho Code § 28-46-506(3) · verified Oct 9, 2026 · medium confidence
• A title lender cannot enter into a title loan agreement with a person under 18 years of age. Source: Idaho Code § 28-46-508(1) · verified Oct 9, 2026 · medium confidence
• Title loans can be secured only by a motor vehicle with a state-issued certificate of title, not a motor home, mobile home or manufactured home. Source: Idaho Code § 28-46-502(4) · verified Oct 9, 2026 · medium confidence
• A title loan, combined with other outstanding title loans on the same vehicle, cannot exceed the vehicle's retail value as determined by common motor vehicle appraisal guides. Source: Idaho Code § 28-46-508(3) · verified Oct 9, 2026 · medium confidence
• Idaho sets no rate cap on title loans. Title loans are regulated consumer loans under the Idaho credit code (Idaho Code 28-46-502(2)), and that code says "the rate of finance charge shall be that which is agreed upon between the parties to the transaction." Source: Idaho Code § 28-42-201(1); 28-46-502(2) · verified Oct 9, 2026 · medium confidence

Lenders in Idaho are licensed by the Idaho Department of Finance, Consumer Finance Bureau. See also online lenders and apps in Idaho.