New York lender directory
Title Loans in New York: Over 25% Is Criminal Usury. Here Are the Legal Options
We list no title loan stores in New York, and New York law caps what lenders can charge. Below is what the law says, and the licensed ways to borrow in New York that we track.
What New York law says
Charging interest above 25 percent a year is criminal usury in the second degree, a class E felony, unless the lender is authorized or permitted by law to do so.
Source: N.Y. Penal Law § 190.40 · verified Oct 9, 2026A loan to someone in New York has to stay within this limit unless the lender is licensed or otherwise authorized by New York law to charge more. We list no title loan stores in New York; the licensed options we track are below.
Licensed lenders in New York
These types of lenders operate legally in New York, each under its own rules and costs. Compare the total cost before you borrow.
If someone offers you a title loan in New York
Some lenders based in other states or online still advertise title loans to New York residents. A loan from a lender that is not licensed in New York may not come with the protections that licensed lenders must give, such as cost limits and complaint rights. Before you borrow, check that the lender is licensed in New York.
To report a lender or ask a question, contact the New York State Department of Financial Services (DFS).
Sources
Where the facts on this page come from, and when we last checked them.
- N.Y. Penal Law § 190.40 · Interest rate cap Last verified Oct 9, 2026 · high confidence
- New York State Department of Financial Services (DFS) · Licensing and complaints Date not recorded
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.