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Missouri Division of Finance Home page

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Consumer Credit Licensing Title Lenders

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  3. Title Lenders

Sections 367.500-367.533 comprise the title loan law, both for licensing and for substantive provisions such as consumer rights, refunding, etc. Loans made pursuant to this section are secured by titled personal property, primarily automobile titles, but they are different from traditional auto secured loans. Title loans are limited in size, and require principal reductions by the borrower. A lender may not use the title to a mobile home as security for one of these loans. An entity wishing to make title loans must be licensed by the Division of Finance and a loan made under this act is subject to disclosure obligations, term and renewal limits, and various consumer protections such as posted rates and daily interest computations.

The consumer protection provisions of ยงยง408.551-408.562 do apply. Regulations for title loans are found in 20 CSR 1140-29.010.

Reminder: License renewals are due December 31. Please see the link below for renewal information.

Licensing Application Packet
Laws and Regulations
Repossession Guidelines
Bond Form
Letter of Credit Form
Bond Verification Form
Renewal Information
Sample Title Loan Note
Sample Note of Maximum Rates Charged

In This Section

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Missouri Division of Finance
Street Address

Truman State Office Building
Room 630
Jefferson City, MO 65102

Phone Number

(573) 751-3242
(573) 751-9192 (fax)

Email

finance@dof.mo.gov

Media Contact

Email: news@dci.mo.gov
Phone: (573) 751-2562

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