Title loans are restricted or prohibited in Minnesota. This page summarises what the rules say and points to lower-cost alternatives.
Last reviewed on April 27, 2026.
Minnesota residents can access title pawn services throughout the state, with lenders operating in St. Paul, Minneapolis, Rochester, and other major cities.
Title loans in Minnesota are allowed but heavily regulated to protect consumers.
Use our loan calculator to estimate your monthly payment based on Minnesota's typical interest rates.
To qualify for a title loan in Minnesota, you'll typically need: