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Truth in Lending Act (TILA): Federal law requiring transparency in loan terms, including clear disclosure of loan terms, interest rates, and payment schedules. While primarily for commercial lenders, its principles are valuable for private lending arrangements.

State Usury Laws: State-specific regulations that set maximum legal interest rates. Exceeding these limits can make a loan contract unenforceable. Must be checked for the specific state where the contract is executed.

Uniform Commercial Code (UCC): Article 9 governs secured transactions, particularly relevant if the car serves as collateral. Provides requirements for perfecting security interests in the vehicle.

State Contract Laws: Basic contract requirements including offer, acceptance, and consideration. Includes Statute of Frauds requirements and state-specific contract formation rules.

State Vehicle Laws: Regulations governing vehicle title transfer, registration requirements, and procedures for recording liens on vehicles.

State Collection Laws: Rules governing default scenarios, repossession procedures, and fair debt collection practices for the specific state.

IRS Regulations: Federal tax implications including treatment of interest income, below-market loan rules, and potential gift tax implications for loans with very low interest rates.