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Title loans in Pennsylvania

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Shir Amram

Written by: Shir Amram

How Do Title Loans Work in Pennsylvania?

Are you looking for a title loan in Pennsylvania but not sure where to begin? 

Under Pennsylvania's usury and racketeering laws, title loans are essentially prohibited, This regulation aims to protect consumers from high-interest rates and potentially predatory lending practices.

However, you might still have options to obtain a title loan or similar loans in Pennsylvania!


Pennsylvania, known as "The Keystone State," features a flag with a coat of arms symbolizing its commerce, agriculture, strength, and loyalty to the United States.

Understand Your Loan Options: 

Important Notice: While some states, like Pennsylvania, prohibit car title loans, some lenders are still able to provide them.

For example, banks, members of the FDIC who are not regulated by the states, may have title loan programs in certain states. Alternatively, we may be able to help you find different loan options such as payday or unsecured loan. 

Submit your title loan inquiry through our online form and let us help you.  

Here’s What You Need for a Pennsylvania Auto Title Loan, If We Are Able To Find You One:

  • Your car's title (with no loans on it)
  • Proof of your income
  • A valid ID

Got everything? Awesome! 

Submit your online request or call us now. In just a few minutes, you might get pre-approval. It's free without any obligations! 

After that, just sign up your lender agreement and you could grab up to $50,000, possibly even today or the next day. 

The Bonus? 

You can drive your car as usual, just make sure to repay on time!

Simple, isn’t it? Give it a shot - Complete our online form!

What is a Car Title Loan?

A car title loan is a secured loan where your car serves as collateral. This means that you pledge your vehicle as security when you apply for the loan. Importantly, you can still drive the car even though the vehicle title is pledged.

This arrangement allows you to borrow money and still keep your car. It's designed especially for people with bad credit score.

Keep in mind, Pennsylvania title loans are usually short-term and have higher interest rates compared to traditional bank loans. This is why they should be used only for emergencies.

How Much Can You Borrow with a Title Loan in Pennsylvania?

Title loans in Pennsylvania are restricted. But generally, where they're allowed, the loan amount is based on your car's value. Lenders might offer between 25% to 50% of its worth. So, if you had a $10,000 car, a lender might offer you $2,500 to $5,000

Aerial Pittsburgh Skyline, Pennsylvania

Car title loans in Pennsylvania are not currently legal. According to Pennsylvania Statutes Title 7 § 6152, the state does not permit lenders to provide short-term, small-dollar loans that use a borrower's vehicle title as collateral.

This guideline is established to shield individuals from exorbitant interest rates associated with car title loans in Pennsylvania and to prevent potential unscrupulous lending tactics.

While Pennsylvania has restrictions, obtaining a car title loan from a federal lender might still be permissible. FDIC-member lenders aren't governed by Pennsylvania's regulations, so they could offer you a car title loan. 

Reach out to us today through a call or our online form, and we might help link you with one of these lenders.

What Alternative Loans Are Available?

In situations where traditional financing or Pennsylvania title loans might not be an option, it's essential to know the other lending avenues you can explore. 

Let's delve into some of these alternatives to help you make an informed decision:

  • Personal Loans: Regardless of your credit score, you may qualify for a personal loan based on your income source and creditworthiness.
  • Credit Advancement Programs: Lenders provide guidance and resources to help you improve your credit score, making it easier for you to qualify for future loans.
  • Refinancing Options: If you have an existing loan, consider refinancing options that may lower your interest rate and monthly payments.

Remember, before deciding on any financial solution, it's crucial to understand all your options and select the one that best fits your needs and financial situation.

What Benefits Can I Expect With Car Title Loans?

  • Sign your loan agreement by 2:00 pm, receive cash in just 5 hours
  • Quick and easy application process
  • No complicated paperwork and contracts to worry about

Applying Online for Auto Title Loans in Pennsylvania

Applying online for a car title loan in Pennsylvania is a simple and convenient process. Follow these steps:

  1. Visit our website: Navigate to Montana Capital Car Title Loans website.
  2. Fill out the online request  form: Click on the 'Apply Now' button to start your online form or give us a call. You will be asked to provide some basic personal and vehicle information.
  3. Submit your request: After filling out the form, click 'Submit'. Your loan request will be reviewed  promptly.
  4. Loan approval: If your application meets the credit criteria, income source, and car value/equity requirements, the lender will reach out to you with a loan offer.
  5. Get your cash: If you accept the offer and sign the contract before 2:00 pm, the funds can be in your hands within just 5 hours. You can receive it through direct deposit, at a branch, via MoneyGram at Walmart, or on your prepaid/debit card if your bank allows.

Pennsylvania State Capitol Building

Securing a Loan with Bad Credit? It's Possible!

Keep in mind that even if you have a poor or bad credit score, you might still be eligible. These loans are made for people with bad credit score who need help quickly, especially when other lenders say no.

The primary factors for loan approval generally revolve around your income and the equity in your car. Don't hesitate to request your loan online today and tap into the value of your vehicle.

What is the Repayment Process Like?

Repayment flexibility is important. You might find various repayment plans and interest rates. Typically, the repayment period ranges from 12 to 48 months. Talk to your lender about a repayment plan that fits your life, so you won't stress about managing your loan payments.

When Will I Receive My Funds?

Get your funds quickly! Once approved, the money could be in your hands within hours. Choose how to receive the loan amount - directly to your bank account, or through MoneyGram at Walmart.

Can I Get Title Loan without proof of employment?

Yes, in many cases you can! Dependable income can come from sources beyond traditional employment. This means you may qualify for a title loan even without providing proof of employment.

Examples of Proof of Income:

  • Social Security Benefits
  • Trust Fund Income
  • Disability Insurance
  • Tax returns
  • Worker’s Compensation Pay

Find out the requirements for obtaining a title loan without employment.

Pennsylvania Title Loans: Weighing Risks and Rewards

When considering car title loans in Pennsylvania, it's essential to weigh the potential risks and rewards.


  • Bad Credit is Not a Barrier: Credit scores may be checked, but applicants with poor or bad credit may still qualify based on income source and car value/equity.
  • Flexible Repayment Plans: Flexible repayment options may be available to ensure your repayment plan fits your budget and lifestyle.


  • Possibility of Losing Your Car: As your car is used as collateral, failure to keep up with payments can lead to your vehicle being repossessed.
  • Higher Interest Rates: Title loans typically come with higher interest rates compared to other types of loans such as personal loans, for borrowers with excellent credit score

Frequently Asked Questions (FAQs)

Is Online Application Available for Car Title Loans in Pennsylvania? 

Requesting a car title loan online is easy and convenient through our website. Just visit our website, click 'Apply Now', complete the form, and submit your application.

Can I Get a Title Loan If I'm Still Making Payments on My Car? 

Yes, you can qualify for a title loan even if you still owe money on your vehicle, as long as your car is worth more than what you owe. If the difference between your car's value and your remaining loan balance is big enough, you could be approved. You can submit your request online, and  you will know shortly after if your vehicle qualifies.

What Happens If I Move to a Different State During the Title Loan Term? 

If you move to a different state while you have an active title loan in Pennsylvania, you should inform the lender. Depending on the lender's policies, they may have specific procedures for handling out-of-state moves.

What Happens If I Can't Repay My Title Loan in Pennsylvania?

If you can't repay your title loan in Pennsylvania, the lender may take possession of your vehicle and sell it to recover their money. It's important to communicate with the lender if you're facing difficulties to explore possible solutions.


In conclusion, title loans in Pennsylvania are prohibited by the state; however, financial alternatives for those seeking quick cash, including title loans by non-state lenders, may still be available.

Regardless of your credit history or employment status, your loan approval largely depends on your car's value and your source of income. While the risks, such as high interest rates and potential repossession of your vehicle, are important considerations, the rewards can be substantial for those in need of immediate financial aid.

Remember, we prioritize your needs and work diligently to help you find financial solutions in your state. Get in touch with us today, and let us help you.

Shir Amram

Written by

Shir Amram

Shir Amram is a senior loan officer at Montana Capital Car Title Loans. With over 10 years of experience in the finance industry, Shir has been an asset in her role and has contributed significantly to our company's success, Shir’s academic background in economics and financial knowledge helps us fulfill our education mission as she creates a valuable content to our blog. 

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