Payday loans in Vermont: what the law allows
No. Vermont doesn't allow payday loans at typical payday costs. Vermont doesn't allow car title loans at typical title loan costs.
Vermont
Payday loans
Not allowed
Car title loans
Not allowed
“Vermont limits annual interest rates (including fees) at 12-24%. Payday loans (loans contingent on a postdated payment instrument) are explicitly banned.”
Vermont Department of Financial RegulationLook up a lender's license
Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.
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Common questions
Are payday loans legal in Vermont?
No. Vermont doesn't allow payday loans at typical payday costs.
Are car title loans legal in Vermont?
Vermont doesn't allow car title loans at typical title loan costs.
How do I check a lender's license in Vermont?
Look the lender up with Vermont Department of Financial Regulation, which licenses lenders in Vermont.
Do these rules protect service members?
Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.
Information, not legal advice. Laws change; confirm with the state regulator.