Title Loans in Florida – Get Up to $10,000 Using Your Car Title
Need fast cash using your vehicle as collateral? Get a Florida title loan from $500 to $10,000 completely online with no store visit required. Keep driving your car while you repay. Bad credit and no credit accepted—we focus on your vehicle value, not your credit score.
How Title Loans Work in Florida
A title loan (also called a car title loan or auto title loan) is a secured loan where you use your vehicle title as collateral to borrow money. The loan amount is based on your vehicle value, typically 25-50% of its market worth. You keep driving your car during the loan term while the lender holds a lien on your title. Once you repay the loan in full, the lien is removed and your title is returned. Florida title loans provide quick access to cash without credit checks, making them ideal for borrowers with bad credit or urgent financial needs.
Quick Application Process
Complete our secure online application in just 5 minutes from your phone or computer—no store visit required. Submit photos of your vehicle, title, and required documents. Our system instantly connects you with licensed Florida title lenders who will assess your vehicle value remotely. Receive approval within hours, often the same day. Once approved, funds are deposited directly into your bank account, typically within 24 hours. The entire process is 100% online with no in-person appointment necessary.
Simple Requirements
Be at least 18 years old and Florida resident
Valid government-issued photo ID
Proof of income from any source
Vehicle registration and insurance
Photos of your vehicle (exterior, interior, odometer, VIN)
No credit check required. Bad credit, no credit, bankruptcy, or repossession in your past will not prevent approval. We base lending decisions on your vehicle equity and ability to repay, not your credit history. Your vehicle must be in your name with no existing liens.
Florida Title Loan Amounts & Availabilit
Get Title Loans in Major Florida Cities
Why Choose Florida Title Loans?
Fast Online Title Loans with No Store Visit
Understanding Florida Title Loan Regulations
Florida title loans are regulated under Florida Statutes Title XXXIII, Chapter 537 (Title Loan Act). Key regulations include:
Licensed lenders: All title loan lenders must be licensed by the Florida Office of Financial Regulation
Loan terms: Minimum loan term is 30 days, with no maximum term specified by law
Interest rates: Florida law caps title loan interest at 30% per year on loan amounts, with monthly fees allowed
Right to cure: Borrowers have the right to cure default and reclaim their vehicle within 10 days of repossession
Vehicle possession: Lenders cannot require physical possession of the vehicle, only the title
Disclosure requirements: Lenders must provide clear written disclosure of all terms, fees, and APR before loan closing
Florida provides strong consumer protections for title loan borrowers. Lenders cannot seize your vehicle without following proper legal procedures. You have the right to prepay without penalty, redeem your vehicle after repossession, and receive any surplus if your vehicle is sold for more than you owe. Always verify your lender is licensed through the Florida Office of Financial Regulation before signing any agreement.
Title Loan Alternatives in Florida
Explore Other Loan Options That May Better Fit Your Needs
While title loans provide quick access to larger amounts, other loan types might be more suitable if you prefer not to use your vehicle as collateral:
Payday Loans →
Short-term cash advances of $100-$1,000 for immediate needs. Must be repaid in 7-31 days. No collateral needed but much smaller amounts than title loans. Only suitable for small, urgent expenses you can repay quickly.
Best for: Small emergency expenses under $1,000
Allotment Loans →
Exclusive to federal and military employees. Secured by payroll deduction rather than vehicle collateral. Competitive rates and high approval rates for government workers. Better terms than title loans without vehicle risk.
Best for: Federal employees and military personnel
Installment Loans →
Smaller unsecured loans from $500 to $5,000 with fixed monthly payments over 3-24 months. Faster approval than personal loans, no collateral needed. Good option if you need moderate amounts without using your car title.
Best for: Medium-sized loans with manageable monthly payments
Personal Loans →
Unsecured loans from $1,000 to $35,000 with no collateral required. Better for larger amounts with longer repayment terms (12-60 months). Credit score matters more, but you do not risk losing your vehicle. Lower interest rates than title loans for qualified borrowers.
Best for: Larger loans without risking vehicle ownership
Emergency Loans →
Fast-funding loans for crisis situations. Similar speed to title loans but typically unsecured. Amounts range from $100-$5,000. Good alternative if you need quick cash but prefer not to risk your vehicle.
Best for: Urgent needs without using collateral
Tribal Loans →
Loans from Native American tribal lenders with very flexible credit requirements. No collateral needed. Similar accessibility to title loans but without vehicle risk. May offer installment repayment with higher amounts than payday loans.
Best for: Bad credit borrowers who prefer unsecured lending
Get Cash Using Your Car Title Today
Frequently Asked Questions
How much can I borrow with a Florida title loan?
Florida title loan amounts typically range from $500 to $10,000, though some lenders offer up to $15,000 or more for high-value vehicles. Your loan amount depends on your vehicle year, make, model, condition, mileage, and market value. Most lenders offer 25-50% of your vehicle appraised value. Newer vehicles in good condition with low mileage qualify for the highest loan amounts.
Can I get a title loan with bad credit in Florida?
Yes! Title loans do not require credit checks. Approval is based on your vehicle value and ability to repay, not your credit score. Bankruptcy, repossession, foreclosure, collections, or poor credit history will not prevent approval. Even if traditional lenders have rejected you, title lenders focus on your collateral (vehicle) rather than your credit profile.
Do I need to visit a store for a Florida title loan?
No! Our entire title loan process is 100% online with no store visit required. Complete your application online, submit photos of your vehicle and documents electronically, get approved remotely, and receive funds via direct deposit. Some traditional title loan stores require in-person visits, but online title lenders eliminate this requirement for maximum convenience.
Can I keep driving my car during the title loan?
Absolutely! Florida law allows you to keep full possession and use of your vehicle throughout the loan term. The lender only holds a lien on your title as security—you keep the car keys and continue driving normally. You maintain insurance, registration, and complete control of the vehicle. Only the title paperwork is temporarily held as collateral.
How quickly can I get my title loan money?
Most online title loan applications are approved within a few hours of submission. Once approved and all documents are verified, funds are deposited into your bank account as soon as the same business day or next business day. The fastest funding occurs when you apply early in the morning on a weekday with all required documents ready.
What vehicles qualify for title loans in Florida?
Most vehicles qualify including cars, trucks, SUVs, vans, motorcycles, RVs, boats, and commercial vehicles. Your vehicle must have a clear title in your name with no existing liens. Vehicles should be in working condition, though some lenders accept vehicles needing minor repairs. Age limits vary by lender—some accept vehicles up to 20 years old, while others prefer newer models.
What happens if I cannot repay my Florida title loan?
If you miss payments, the lender can begin repossession proceedings after providing proper notice. Florida law gives you a 10-day right to cure after default notice—you can reclaim your vehicle by paying the past-due amount plus fees. If the vehicle is sold, you receive any surplus over what you owe. Contact your lender immediately if you anticipate payment problems; many offer extensions, refinancing, or payment plans.
Are online title loans safe and legitimate in Florida?
Yes, when working with licensed lenders. Always verify your lender is licensed by the Florida Office of Financial Regulation. Legitimate lenders use secure encryption, never ask for upfront fees before funding, and provide clear written loan agreements. Avoid lenders who pressure you, refuse to answer questions, or cannot provide license verification. Read all terms carefully before signing.
Apply for Your Florida Title Loan Today
Get Cash Fast Using Your Vehicle Title
Apply Online – Complete our 5-minute online application with no store visit
Get Approved – Receive same-day approval based on your vehicle value
Keep Driving – Get funded within 24 hours and keep driving your car