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What Indiana law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2] | Allowed | 36% APR (top tier) | Not set by statute | Not set by statute | Licensed as a consumer/supervised lender under the Indiana UCCC | IC 24-4.5-3, esp. IC 24-4.5-3-508 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.
The rules in full
Title loans
- Rate cap
- Indiana has no standalone title-loan statute; a vehicle-title-secured loan is a consumer loan under the Indiana UCCC, IC 24-4.5-3-508: the greater of tiered rates (36% up to $2,000, 21% from $2,000 to $4,000, 15% above $4,000) or a flat 25% per year.
- License
- Licensed as a consumer/supervised lender under the Indiana UCCC (no separate 'title loan' license category); Indiana DFI licenses and examines title lenders under this general framework and requires up-front disclosure of every charge.
Full detail for every loan type: Indiana lending laws.
Help in Indiana
Money snapshot for Indiana
Other options in Indiana
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Indiana: allowed under Indiana law; see its limits and license rules.
- Installment loans in Indiana: allowed under Indiana law; see its limits and license rules.
- Payday loans in Indiana: allowed under Indiana law; see its limits and license rules.
- Personal loans in Indiana: allowed under Indiana law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Indiana.
Title loans in nearby states
- IllinoisAllowed 36% APR
- KentuckyRestricted 36% APR
- OhioRestricted See the rules
- TennesseeAllowed 24% APR
- West VirginiaNot allowed Not allowed
Sources
- codes.findlaw.com. IC 24-4.5-3, esp. IC 24-4.5-3-508. Retrieved September 23, 2026.
- in.gov. Indiana Department of Financial Institutions (DFI), Consumer Credit Division. Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Indiana. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Indiana. Each lender sets its own rates and terms and must show you the APR before you sign.
Representative example
- Amount borrowed
- $1,000
- Annual percentage rate (APR)
- 36%
- Repayment
- 12 monthly payments
- Payment
- $100.46
- Finance charge
- $205.52
- Total of payments
- $1,205.52
Example: a $1,000 title loan at 36% APR repaid in 12 monthly payments of $100.46 costs $1,205.52 in total, including a finance charge of $205.52. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.
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- Questions about a lender licensed in Indiana? Contact the Indiana Department of Financial Institutions (DFI), Consumer Credit Division or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.