Qualify For A Title Pawn Near Me
Besides a title loan or auto equity loan, one option to get quick cash is with a title pawn. With a title pawn, you can cash out the equity from your vehicle and use that as collateral for a short term loan. Title pawns in Florida don’t require good credit, and you can borrow $1,000 or more! Use a title pawn to quickly get cash and repay the loan with interest over time.
The first thing to do is find a title pawning lender near you in Florida. Many companies offer title pawns, so there’s a good chance you’ll find a licensed Florida lender you can meet with in person. Besides looking for a company in your neighborhood, you can conveniently apply to pawn your car title online. By applying online, you can get things submitted quickly, and there’s no hassle driving around and looking for the best lender. Another option is to call us at 888-986-8505 and get pre-qualified over the phone.
You must meet a few basic requirements to qualify for a title pawn online. You must show proof of paid off vehicle with no cosigners or lienholders on the title. You need to provide income verification or some proof of employment. This usually means providing pay stubs or other proof of income showing the lender you earn enough money each month to make the required payments. Most lenders will also want proof that your vehicle is registered and has full insurance coverage in case of an accident or if the vehicle is stolen. You need a newer car or truck with fewer than 100,000 miles to qualify as collateral, and we can also help you pawn a motorcycle or boat in Florida.
Loan Amounts & Interest Rates With A Title Pawn
Loan amounts vary and are based on the vehicle’s resale value. Most title pawn companies will lend you anywhere from $400 to $5,000. Title pawn companies in FL will offer loans that start at $500 and go up to $15,000 for customers with high value vehicles. Generally, you can borrow around half of the value of your car with a title loan. Some states outlaw title pawn loans or have interest rate caps that severely limit the amount you can borrow. Others, like Florida, have regulations that limit loan amounts.
Interest rates with a title pawn in Florida are high but not as extreme as what you see with a payday loan or cash advance. As of 2025, new laws are in place that limit the amount of interest a lender can change in Florida. Now, title loan companies in Florida must adhere to House Bill 1347, which limits interest rates on title pawns to 36% for loan amounts under $10,000. The interest rate for over $10,000 will vary between 25% and 30%. These interest rate caps are a significant relief to customers as interest rates approached 100% on certain title pawns just a few years ago. The only downfall is that underwriting requirements have tightened with this cap in interest rates, and now it’s a bit harder to get approved.
Title Pawning Options In Florida
When it comes to getting cash for your vehicle, Florida is one of the best states to pawn your vehicle. There are numerous title pawning companies throughout the state, and Florida Title Loans has you covered if you own a car, truck, or motorcycle registered within the state.
A few years ago, you had to hand over the keys to your car with a title pawn in Florida, but that’s no longer required. As of 2025, you can drive your car for the entire lending term when you pawn a vehicle. When you apply with us, we’ll find you a licensed title pawning company in Miami, Fort Lauderdale, or Tampa, offering the best payment terms and lowest interest rates possible. The application process will take 24 hours or less from start to finish, and your lender will take possession of the car’s title, not the vehicle itself, before you get your cash!
A secured loan allows you to borrow way more money than is possible with a personal loan and Florida Title Loans offers access to the best borrowing experience for anyone considering a title pawn!
How Long Does It Take To Get My Cash With A Title Pawn?
The timeframe to get your cash depends on the title loan company, but most title lenders can fund your loan within 24 hours or less. Sometimes, you may get the money you need in as little as one hour if the title pawn lender is near you and offers quick cash pickup. If you need fast funding, it can be helpful to search for title pawn lenders near you that offer same day cash payments. Otherwise, it will take 1-2 business days to have the cash sent through ACH or direct deposit.
Do you need your money in less than an hour? It’s easier than ever to get your cash with a title pawn in Florida, and you have a decent chance of being approved for any newer vehicle. Call Florida Title Loans at 888-986-8505 or apply online, and we’ll immediately get to work processing your application. Even if you apply after hours or on a holiday or weekend, we’ve got you covered as we work with local lenders in Miami, Tallahassee, and Orlando that fund loans anytime!
Bad Credit Title Pawns In Florida
One of the great things about title pawn loans is that they are possible for anyone with bad credit. That’s because title pawn companies don’t focus on your credit score when underwriting a loan amount and repayment terms. Anyone with a lien free title should qualify for a title pawn, including those with a bad credit history! Even if you have a car or truck with more than 100,000 miles, you’d be surprised at how much money you can borrow without a credit check!
Are you worried about applying because you don’t want to pawn your vehicle? Title pawns used to require the keys to your car as collateral, but that’s no longer necessary, as most lenders in Florida will now accept a pink slip as collateral. You still risk losing your vehicle if you miss payments and default on the loan. However, these bad credit title pawns are great for someone who can’t qualify for an unsecured loan because of credit issues and still wants to keep driving their car. Contact Florida Title Loans at 888-986-8505 to pawn your vehicle today!