Find A Florida Title Loan Lender
There are many title loan companies in Florida, and each lender offers different terms and benefits. While Florida Title Loans is not a direct lender and we don’t set your payoff terms and monthly payment, we can help borrowers choose the best lender. That way, you can compare the many different quotes and payment terms and find a loan offer that suits your situation.
It doesn’t matter where you live in Florida, as you can apply online with us and be matched with any licensed title loan providers in your neighborhood. Listed below are some of the larger lenders in Florida and, for that matter, across the country. We work with some of these companies and always look for new lenders within the state.
The Biggest Title Loan Companies In Florida
Many of these companies offer online title loans in Florida and in person loans at local offices all over the state. As always, check the state licensing information for any direct lender you work with. Only a licensed title loan lender in Florida will follow state restrictions on loan fees and interest rates. These companies include:
TitleMax: Title Max is one of the largest title loan companies in Florida, and they offer online title loans with no inspection at dozens of neighborhood offices throughout the state. They provide up to $20,000 and have a quick approval process with the possibility to get same day funding. Their interest rates start at 30%, and the repayment terms last anywhere from 12 to 36 months.
LoanMart: LoanMart is one of the largest title loan companies in the US, with dozens of retail locations in Florida. They offer title loans from retail locations like Miami and Jacksonville. LoanMart can provide up to $30,000 in title loan cash and has a quick approval process that can be done in minutes.
Fast Money Car Title Loans: This company offers title loans online and in person all over Florida. They’re one of the larger title loan companies in the state, and they fund loan amounts that range from $500 to $15,000 for well qualified vehicles. Sunshine Auto Loans has a same day inspection and funding process, and the terms last anywhere from 6 to 12 months.
Rapid Auto Loan: RAloans is a local company that offers online title loans and in-person loans from its offices in Florida. It can provide up to $10,000 in cash with a fast approval process. The interest rates with Rapid Title Loan are similar to those of many other companies listed here, and the payoff time is 2 to 4 years.
Premier Title Loans Premier Title Loans is a nationwide title loan company that offers same day title loans in Florida and 34 other states. They also provide title loans on boats, motorcycles and semi trucks and claim offer pre-approval for loan amounts up to $25,000. According to their website, they are opening an office in Miami in 2025, and until then, you can apply in person or over the phone.
InstaLoan: This Miami-based lender offers car title loans and personal loans to borrowers in Florida. Their title loans are also known as “1st Lien Loans. ” With this option, you can borrow up to $2,500 with a lien-free car title, assuming you have a vehicle that’s paid off. They promise your credit score is not the primary underwriting factor for these secured loans, and once approved, you can get cash from any of their stores in 30 minutes or less.
Florida Title Loans: We’d be remiss if we didn’t include our company on this list. Florida Title Loans is not a direct lender, but we’ve been around for years and work with many of the largest title loan providers across the state. That means we have an unparalleled reach if you only work with one company when you first apply. Please fill out an application with us online or call 1-888-986-8505 to get quotes from multiple direct title loan companies in Florida.
Compare Rates & Terms Title Loan Companies Near Me
Most companies offering car title loans in Florida offer repayment terms that vary widely, and they should be able to find a payoff term of 12 to 60 months. Keep in mind the quicker you pay off your loan, the less interest you’ll pay, and that’s why you should choose the company with the lowest interest. As of 2024, interest rates are capped at 30% for most title loans up to $10,000 in Florida. Additional regulatory changes may come on board in 2025 that will further cap interest rates for higher loan amounts.
While most title loan companies in Florida advertise their rates online, you won’t know your exact payment term until your loan is underwritten. That’s because each loan has different factors that affect your payoff term and these are all determined by your vehicle’s value, past credit history, and other underwriting criteria. For example, a title loan place in your neighborhood may offer you a $4,000 title loan, with a payment term of 42 months. Let’s say another company offers the same loan for $4,000 with a repayment term of 12 months. All things being equal, you’ll want to go with the 12 month term because you’ll end up paying thousands less in interest over the life of the loan.
Title Loan Companies In Florida – Which Lender To Choose & How To Apply
Many other title loan companies operate in Florida, so it’s helpful to research your options before choosing the best one. As for our Florida lenders list, we are confident that the companies listed above are some of the largest local lenders. Most have headquarters in Florida, and some, like Titlemax and Loancenter, do most of their approvals online. Other “online only” lenders can also process your application quickly, and some of these lenders don’t require an in-person inspection! Whichever company you choose, carefully review the loan agreement before signing and ensure you can afford the monthly payments.
Start your journey today by applying directly with Florida Title Loans. It only takes a minute to complete our online form, and you can always contact us at 1-888-986-8505. We’ll need your vehicle details and some contact information to get you a quote. With all that, we’ll put together a few estimates and payoff options and then match you with a title loan place near you!