Why this is not available
Pennsylvania law does not allow title loans, so we show no request form. There is no Pennsylvania license that authorizes them. Read the law: Loan Interest and Protection Law, 41 P.S. Section 101 et seq.; Consumer Discount Company Act, 7 P.S. Section 6201 et seq.. Regulator: Pennsylvania Department of Banking and Securities (DoBS); Office of Attorney General.
Pennsylvania law does not allow title loans, so there is no request form for them. See Other options in Pennsylvania and free help below.
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1] | Not allowed | Not allowed | Not set by statute | Not set by statute | None | Loan Interest and Protection Law, 41 P.S. Section 101 et seq.; Consumer Discount Company Act, 7 P.S. Section 6201 et seq. |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Other options in Pennsylvania
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Pennsylvania: allowed under Pennsylvania law; see its limits and license rules.
- Installment loans in Pennsylvania: allowed under Pennsylvania law; see its limits and license rules.
- Personal loans in Pennsylvania: allowed under Pennsylvania 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 Pennsylvania.
Help in Pennsylvania
Title loans in nearby states
- District of ColumbiaNot allowed Not allowed
- MarylandNot allowed Not allowed
- New JerseyNot allowed Not allowed
- New YorkNot allowed Not allowed
- DelawareAllowed No numeric cap
Sources
- pa.gov. Pennsylvania Department of Banking and Securities (DoBS). Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Pennsylvania. 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 Pennsylvania? Contact the Pennsylvania Department of Banking and Securities (DoBS); Office of Attorney General or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.