Can I Get a Car Title Loan in Missouri?

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If a resident of Missouri is looking for access to quick and easy funding– without a credit check-they may want to look into obtaining a car title loan. Inquirers may be curious whether title loans are available in Missouri, and where they can go to inquire about one. Before seeking out a car title loan in Missouri, it may be helpful to know some general information surrounding car title loans. Car title loans in Missouri could be a convenient way for residents to receive the emergency funding they need.

What Exactly Are Car Title Loans and How Do They Work?

Car title loans are a type of secured loan where a car’s title is put down as collateral. Because of the security of the car, car title lenders may not place heavy importance on the customer’s credit history. Even if a car title lender decides to go through with a credit check for a potential borrower-it may not impact eligibility for the loan. To obtain a car title loan, you need to possess a title to a qualifying vehicle in their name and a few important pieces of information:

  • A government-issued photo I.D. (a driver’s license, passport, etc.)
  • Proof of income (pay stub, bank statements, etc.)
  • Proof of residence (recent utility bill, lease contract, etc.)
  • Pictures of your vehicle

Once a lender has these pieces of information, they will come up with a value for the vehicle being offered. The value for the vehicle will be based on; the make, the model, the year, the mileage, and condition. Lenders will also look at your personal information. This will be mainly income and ability to repay to the loan- to then finally come up with a value for the car title loan.

What to Pay Close Attention to With Car Title Loans in Missouri

A characteristic to know regarding car title loans, is the amount of interest that accompanies them. Because title loan lenders often work with people without factoring in credit, they have extremely high interest rates set on the loans for security.

The interest in title loans can reach anywhere from a hundred to three hundred percent – or even higher- of the principal amount (the amount initially borrowed).

Before signing over your car’s title for the loan, you should take a look at both the MPR (monthly percentage rate) and the APR (annual percentage rate). MPR is just APR broken down. Most lenders will usually only go over the MPR– mainly because interest over a year can seem very high.

Make sure you can pay the interest, along with the amount borrowed, before taking out the loan.

What Are the Rules/Regulations Surrounding Car Title Loans in Missouri

Each state has its own specific rules and regulations that surround car title loans. It may be helpful for residents of Missouri to know about the specific rules and regulations surrounding car title loans in their state. Here are a few car title loan rules that are unique to Missouri:

The Interest Rates for Car Title Loans in Missouri

The interest rates in Missouri have no caps on them- meaning lenders can charge you any amount they want. For many borrowers, this may be nerve wracking. However, no matter what amount of interest the lender is charging- it is required by law they disclose the interest before the contract is signed. So as a borrower in Missouri, it is important to pay close attention to the contract, ask questions, and compare several title loan lenders before deciding.

Rollover Laws for Car Title Loans in Missouri

In the world of car title loans, there can be what is called a rollover- where the lender extends the payment date for a fee. Keep in mind that the borrower will still have to make a payment for the amount of interest that is due for the month.

In Missouri, once you have rolled over your loan twice- they can only obtain a third if the loan amount is reduced by 10% for every extension. However, this is your lender’s call. At this point, your lender has the option (after those two rollovers) to repossess the vehicle instead (this is the option most lenders will probably take).

Repossession Laws in Missouri

If you default on their title loan, the lender has the right to repossess the car in Missouri. In Missouri, there is actually a lot of protection for borrowers who may be near repossession.

Laws require that lenders wait at least ten days after the missed payment to send a letter notifying you of the defaulted loan and offering ways to continue the contract. You then have twenty days to make the necessary payment.

If your car is repossessed, the lender has the right to sell it. However, they must notify you first. Whatever money the lender acquires from selling the car will go towards the remaining loan amount.

If a resident of Missouri needs quick and easy funding, they may want to consider acquiring a car title loan. Car title loans are available in Missouri and there are many lenders who offer them. At Max Cash® Title Loans we have access to those lenders. We are a free loan processing service that connects people with affordable title loan lenders all across the United States.

To get started with us, give us a call at 1-855-561-5626 or email us at

Before obtaining a car title loan, it may be helpful to know a few things; the information that is needed, the different characteristics, and Missouri title loan laws.