Car Title Loans in Indiana

How Title Loans Work in Indiana

Indiana regulates consumer lending under the Indiana Uniform Consumer Credit Code and the Indiana First Lien Mortgage Lending Act, which may apply to different lender structures. Title loans in Indiana are secured lending products — your vehicle title serves as collateral while you retain possession of your car throughout the loan term.

Indiana does not have a statute exclusively governing auto title loans the way it does for payday loans, so title lenders may operate under broader consumer lending statutes. This means loan terms, amounts, and rates can vary significantly by lender. Always review your loan agreement carefully and understand the repossession policy before signing.

Title Loan Requirements in Indiana

• Indiana resident, at least 18 years old
• Clear vehicle title in your name (lien-free or with significant equity)
• Valid Indiana ID or driver's license
• Proof of residence
• Proof of income or ability to repay
• Working phone number and email address

Indiana Regulatory Resources

For questions about consumer lending regulations in Indiana, contact the Indiana Department of Financial Institutions (DFI) at (800) 382-4880 or visit in.gov/dfi.

Learn more: How It Works | Title Loan FAQ