Each state on its own will determine what type of title lending regulations to set. They can outright ban car title loans, limit the amount you can borrow, or hold off on regulations altogether. A few states don't necessarily allow you to use your vehicle equity as collateral, but they have loopholes where you can may still be able to get cash for your car even if there are rules that seem to ban title loans. Let's look at California for this example. In CA, you can often get approved for financing on loan amounts between $2,500 and $10,000. A while back, the State legislature capped interest rates on amounts below $2,500, and you don't see many companies providing loans under that amount.