There are currently 16 states that explicitly allow title lending at triple-digit interest rates and four others* that allow title lending through a legislative loophole.
States that allow car title lending include: Alabama, Arizona, Delaware, Georgia, Idaho, Illinois, Louisiana, Mississippi, Missouri, Nevada, New Mexico, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
States that allow car title lending via a loophole include: California, Kansas, South Carolina, and Texas.
Florida, Iowa, Kentucky, Minnesota, Montana, New Hampshire, Oregon, and Vermont do authorize title lending at lower rates; title loans at triple-digit interest rates are not offered in those states.
*Notes on Car Title Loopholes: Kansas allows title lending as open-ended lines of credit. Texas allows title lenders to use a "Credit Services Organization" model. California and South Carolina only cap APRs up to a certain loan amount ($2,500 and $600 respectively).