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Are car title loans legal in PA?

I live in Pennsylvania and am struggling financially. I've heard about car title loans. I'm considering getting one, but are title loans legal in Pennsylvania?

Lauren Smith · Updated on Feb 14, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

I’m sorry to hear you’re struggling. The past two years have been tough for everyone, so you’re not alone.

Since you live in

, you can’t get a title loan as they’re illegal. Due to the nature of title loans, they are only legal in 20 states.

A

is a loan in which you trade the title of your car for quick cash. Title loans have a

high annual percentage rate

, which can lead to debt and repossession of your car.

Some options you may want to consider instead of a title loan are:

Talking to those to whom you owe money (credit card or loan companies) and ask for extensions or short-term help

Ask friends and family for help

Check local community resources like churches or libraries for financial advice programs/assistance

Reaching out to your bank or financial institution for help or solutions

If you’re looking for other ways to save money, try

to find a better rate for your car insurance. The Jerry app pulls quotes from the top 50 companies in under a minute and delivers the best deals right to your phone. The average Jerry user saves $879 a year on car insurance!

MORE:

Bankruptcy car loan

View full answer

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