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Title loans in Indiana

Title loans for bad credit in Indiana

Title loans are allowed in Indiana. Here are the limits Indiana law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Indiana guide

What Indiana law allows

Title loans in Indiana
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2] AllowedHigh-cost loan 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.

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Rent and jobs in Indiana

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Indiana
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[3]$1,255FY2026
Unemployment rate[4]3.3%2026-08

Other options in Indiana

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • 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 Indiana.

Other loan types allowed in Indiana

See every loan type Indiana law allows.

Title loans in nearby states

Sources

  1. codes.findlaw.com. IC 24-4.5-3, esp. IC 24-4.5-3-508. Retrieved September 23, 2026.
  2. in.gov. Indiana Department of Financial Institutions (DFI), Consumer Credit Division. Retrieved September 23, 2026.
  3. National Low Income Housing Coalition. Out of Reach 2026: Indiana. Retrieved September 23, 2026.
  4. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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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.