Why this is not available
Michigan law does not allow title loans, so we show no request form. There is no Michigan license that authorizes them. Read the law: Michigan's vehicle-title/lien framework is at MCL 257.233 et seq., which requires liens to be recorded with the Secretary of State.... Regulator: Michigan Department of Attorney General / DIFS.
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1] | Not allowed | Not allowed | Not set by statute | Not set by statute | None for a title-pawn-style product | Michigan's vehicle-title/lien framework is at MCL 257.233 et seq., which requires liens to be recorded with the Secretary of State... |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Other options in Michigan
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 Michigan.
Other loan types allowed in Michigan
- Personal loans in Michigan: No rate limit No rate limit in state law
- Installment loans in Michigan: No rate limit No rate limit in state law
- Emergency loans in Michigan: No rate limit No rate limit in state law
- Payday loans in Michigan: Limit depends on loan size High-cost loan
Help in Michigan
Title loans in nearby states
Sources
- michigan.gov. No specific title-loan statute identified. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Michigan. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Michigan? Contact the Michigan Department of Attorney General / DIFS or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.