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Not allowed in Vermont

Title loans are not allowed in Vermont

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

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 Vermont guide

Why this is not available

Vermont law does not allow title loans, so we show no request form. There is no Vermont license that authorizes them. Read the law: 9 V.S.A. sec. 41a; 8 V.S.A. chapter 73. Regulator: Vermont Department of Financial Regulation.

Title loans in Vermont
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2] Not allowed Not allowed Not set by statute Not set by statute None 9 V.S.A. sec. 41a; 8 V.S.A. chapter 73
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Other options in Vermont

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 Vermont.

Other loan types allowed in Vermont

See every loan type Vermont law allows.

Title loans in nearby states

Sources

  1. legislature.vermont.gov. 8 V.S.A. chapter 73. Retrieved September 23, 2026.
  2. dfr.vermont.gov. Vermont Department of Financial Regulation, Banking Division. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Vermont. 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.
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  • Questions about a lender licensed in Vermont? Contact the Vermont Department of Financial Regulation or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.