Your one-stop guide to bad credit loans and help in your state.
MenuClose

Not allowed in the District of Columbia

Title loans are not allowed in the District of Columbia

District of Columbia law does not allow title loans, so there is no request form for them here. Here are other options and free help in the District of Columbia.

BadCreditMD is not a lender or broker. We explain your options; a lending network partner shares requests with lenders, who set their own rates and decide whether to lend. See disclosures.

Last updated .

Part of the District of Columbia guide

Why this is not available

District of Columbia law does not allow title loans, so we show no request form. Read the law: D.C. Code Section 28-3301; Section 26-905. Regulator: DC Department of Insurance, Securities and Banking (DISB).

Title loans in the District of Columbia
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3][4] Not allowed Not allowed Not set by statute Not set by statute Not applicable at market rates D.C. Code Section 28-3301; Section 26-905
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in the District of Columbia

Cheaper options to try first

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in the District of Columbia.

Other loan types allowed in the District of Columbia

See every loan type District of Columbia law allows.

Title loans in nearby states

Sources

  1. responsiblelending.org/research-publication/under-radar-evidence-prohibited-vehicle-title-loans-made-22-states-and-dc. Retrieved September 23, 2026.
  2. code.dccouncil.gov/us/dc/council/code/sections/47-2884.09. Retrieved September 23, 2026.
  3. code.dccouncil.gov. D.C. Code Section 28-3301. Retrieved September 23, 2026.
  4. disb.dc.gov. DC Department of Insurance, Securities and Banking (DISB). Retrieved September 23, 2026.

Back to top

Important disclosures

APRs vary by lender and state in the District of Columbia. Each lender sets its own rates and terms and must show you the APR before you sign.

  • BadCreditMD is not a lender or broker and does not make loans or credit decisions. When you submit a request, a lending network partner shares it with third-party lenders, and those lenders or the partner may pay us a fee for each referral. The lenders decide whether to offer you a loan.
  • There is no fee to use BadCreditMD. Lenders or our lending network partner may pay us.
  • Lenders set their own rates, fees and terms. Offers depend on your credit, income, state of residence and each lender's criteria.
  • Our service is not available in all states, and not every loan type is available in every state.
  • By submitting a request you consent to lenders checking your credit, which may affect your score, and to your information being shared with them.
  • Submitting a request does not mean you will be approved or funded, or that you will receive any particular amount or rate.
  • Short-term loans are costly and are not a long-term financial solution. Borrow only what you can repay on time.
  • BadCreditMD publishes general information about loans and state rules. It is not legal or financial advice.
  • BadCreditMD is operated by BadCreditMD, LLC, 30 N Gould St Ste N, Sheridan, WY 82801. Contact: pr@badcreditmd.com. Full details are on our disclosures page and disclaimer.
  • Questions about a lender licensed in the District of Columbia? Contact the DC Department of Insurance, Securities and Banking (DISB) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.