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Title Loans in Pennsylvania: Capped at $9.50 per $100 a Year. Here Are the Legal Options

We list no title loan stores in Pennsylvania, and Pennsylvania law caps what lenders can charge. Below is what the law says, and the licensed ways to borrow in Pennsylvania that we track.

What Pennsylvania law says

A licensed consumer discount company may charge interest or discount of up to $9.50 per $100 of the loan's face amount per year, computed up front for the full term. The statute states this add-on rate, not an APR.

Source: 7 P.S. § 6213(E) · verified Oct 9, 2026

A loan to someone in Pennsylvania has to stay within this limit unless the lender is licensed or otherwise authorized by Pennsylvania law to charge more. We list no title loan stores in Pennsylvania; the licensed options we track are below.

Licensed lenders in Pennsylvania

These types of lenders operate legally in Pennsylvania, each under its own rules and costs. Compare the total cost before you borrow.

If someone offers you a title loan in Pennsylvania

Some lenders based in other states or online still advertise title loans to Pennsylvania residents. A loan from a lender that is not licensed in Pennsylvania 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 Pennsylvania.

To report a lender or ask a question, contact the Pennsylvania Department of Banking and Securities (DoBS).

Sources

Where the facts on this page come from, and when we last checked them.

  1. 7 P.S. § 6213(E) · Interest rate cap Last verified Oct 9, 2026 · medium confidence
  2. Pennsylvania Department of Banking and Securities (DoBS) · 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.

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