How To Apply For An Online Title Loan in Florida

It only takes about 5 minutes to submit a car title loan application. Be sure to include relevant details about your vehicle and employment history.

What Are The Requirements For A Title Loan

After submitting your application, you will receive a phone call to verify specific details. You may also need to do a vehicle inspection to ensure approval.

Most consumers in Florida can be approved for a title loan in 24 hours. Once approved you can have up to $20,000 in 24 hours after finalizing the terms with your lender.

How much money can I get with a title loan in Florida

Florida Title Loans - Our Service, Process, and Benefits:

Multiple FL Locations
Multiple FL Locations
LENDING LOCATIONS

Florida Title Loans works with direct lenders throughout the state. You can apply in person at our local Jacksonville office, online, or call us at 1-888-986-8505!

APPLY QUICKLY

Submitting an application for a title loan loan takes less than 10 minutes! After we receive your information, we’ll contact you to discuss your lending options and financing terms.

TRUSTWORTHY SERVICE

Florida Title Loans has offered access to car title loans in Florida for over nine years, and we know what’s required to get your application approved!

FIND A TITLE LOAN LENDER NEAR YOU

BENEFITS OF A TITLE LOAN
BENEFITS OF A TITLE LOAN
BAD CREDIT IS OK

Applicants with a low credit score can qualify for an auto title loan. That’s because your lender approves the loan based on your vehicle’s equity, not your FICO score!

NO PREPAYMENT PENALTIES

It’s in your best interest to pay off your loan quickly. Make early payments to avoid excessive interest charges. Florida Title Loans works with lenders that don’t charge a prepayment penalty.

KEEP YOUR VEHICLE

There’s no reason to take out a title loan if you can’t keep driving your vehicle. Get a loan from a company in Florida that holds your pink slip as collateral, not the car itself!

LEARN MORE ABOUT HOW A TITLE LOAN WORKS

HOW TO APPLY
HOW TO APPLY
STEP 1: SUBMIT YOUR INFO

We have agents standing by 24/7 to take your application. Our instant online title loan application process takes minutes to complete, and all we need is basic vehicle info.

STEP 2: SPEAK TO AN AGENT

We will then contact you to review the lending offers that are available to you. We may need some additional DMV documents and income details.

STEP 3: GET YOUR CASH

The last step involves matching you with a local title loan company in Florida. Your lender may need to inspect your vehicle, and after that, you sign the loan docs.

DETAILS ABOUT THE FEES FOR A TITLE LOAN

HOW TO GET YOUR CASH
HOW TO GET YOUR CASH
ACH OR BANK WIRE

Most title loan companies will send the funds to your checking account or debit card through ACH, direct deposit, or bank wire within 24 hours of approval.

PICK UP CASH

Some lenders will allow you to pick up the funds right after you apply if they have a neighborhood lending location. This means you can get same day cash.

MONEY ORDER

It’s not a problem if you don’t have a bank account. Ask for a money order, and you can pick up the funds at any local Western Union or MoneyGram location.

CONTACT US TO GET CASH WITH A TITLE LOAN

What Is A Title Loan And How To Qualify

You can borrow cash using your vehicle’s equity with an online title loan in Florida. Finding a lender near you is painless, but you must also know what to look for to choose the best. You can always go online and find a legitimate company, such as Florida Title Loans, that offers online title loans. However, many prospective borrowers prefer to meet with a lender at a local office and submit the documents face to face. In an ideal situation, applicants will have researched their financial options and decided that an auto equity loan is best for them based on their desired loan amount and credit history. Beyond that, they need to feel comfortable with their lender and loan terms. Get started and qualify for an auto title loan of $1,000 or more with us today. Start the process online or call 888-986-8505 to get a rapid quote today!

 

Requirements For A Title Loan In Florida

Unlike most personal loans from lenders that require exceptional credit, online title loans have minimal paperwork requirements, and most customers can qualify in less than an hour. The documents required are a lien-free vehicle title, proof of income, or bank statements showing you make at least $1,000 monthly. You will also need a driver’s license or Florida ID. Some companies will ask for a copy of the vehicle’s registration and an updated insurance policy showing you have enough liability coverage on the vehicle. One last essential requirement for a title loan is getting the car inspected to confirm its current resale value. Inspections are frequently required for title loans of $2,000 or more.

 

Can I Get Online Title Loans In Florida With Bad Credit

Bad credit should not be an issue when you apply for a secured loan. Title loan companies are more concerned with your car’s resale value and how much collateral it provides. It’s imperative to protect yourself from unscrupulous lenders and research any company you want to work with. Work with a direct lender that discloses the principal amount borrowed and the interest rates. Does your lender have a prepayment penalty if you decide to pay off the loan amount in full? Do they allow you to drive your car for the life of the loan, assuming you stay current on monthly payments? All those details matter; knowing every detail when you take out a car title loan is essential.

 

Once Approved For A Title Online, Can I Keep Driving My Car

 Yes, any legitimate lender should allow you to drive your car without restrictions after taking out a title loan. Instead of using the actual vehicle as collateral for a loan, a secured lender will hold onto your car title while you make the monthly payments. You add the title loan company as a lienholder to your title, and that’s the security for your loan amount. Stay current on your payments because a licensed lender can repossess your car if you fall behind and miss payments. Since you signed over the car’s pink slip to them, they can repossess your vehicle and sell it at auction.

 

How Quickly Can I Get My Cash

 Title loans are designed to fund quickly, and most licensed lenders in Florida can have cash in your hands or send it to your bank account within one business day. With an instant online title loan, you can get your money even quicker, with some companies sending cash within an hour of your approval. The time it takes to underwrite your application mainly depends on how fast you can send in your required documents, and the agents at Florida Title Loans can get you pre-approved at any time of the day!

 

Title Loan Loan Rules & Rates In Florida

 The APR and lending terms for auto title loans in Florida will vary and are often based on your vehicle’s value and lending profile. Payoff terms typically run from 12 to 36 months, and there’s no penalty for paying off your loan early. The Florida Office Of Financial Regulations regulates vehicle equity lenders within the state.

Contact us with questions about the title loan regulations in Florida or if you need help applying online. Florida’s statutes and financing regulations for vehicle equity loans change often, so check back for new updates.

Copyright 2025 - Florida Title Loans - 1-888-986-8505 - This website does not make direct lending decisions, and we can't provide legal or financial advice. Verify your interest rate, payment terms, and fee schedule before agreeing to an online lending contract. Florida Title Loans matches car title loan applicants with prospective lenders who provide auto title loans to qualified applicants throughout the State. Please verify that your lender is licensed under Statute 516 of the Florida Consumer Finance Act and in good standing with the Florida Office of Financial Regulation. Review the State's Financing Regulations for more information on lending requirements and consumer safeguards in Florida.