From the Gulf Coast to the Atlantic, drivers across the Sunshine State use title loans in Florida to cover surprise expenses without giving up their car. Borrowers in Miami and Tampa are among the most common applicants we see week to week.
A car title loan here works against the equity already in your vehicle, and the application can be started online in minutes. Most Florida files we fund are sedans and SUVs, and you keep driving while you pay the loan back.
$2,737
Average Loan Amount
$575 to $8,093
Typical Loan Range
2012
Avg Vehicle Year
8,277
Loans Funded
Based on 8,277 loans in Florida from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Florida regulations.
Recent funded loans in Florida. Actual loan amounts vary based on vehicle condition, mileage, and Florida regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2024 | Ram | 2500 | 58,930 | $8,623 |
| 2014 | Toyota | Corolla | 192,000 | $2,100 |
| 2015 | Honda | Shadow Aero | 13,000 | $2,100 |
| 2018 | Dodge | Journey | 97,000 | $2,500 |
| 2018 | Nissan | Murano | 82,000 | $2,100 |
| 2020 | Ram | 1500 | 210,569 | $4,127 |
| 2017 | Ford | Mustang | 96,232 | $3,606 |
| 2018 | Kia | Forte | 117,000 | $2,201 |
| 2016 | Mercedes-Benz | C-Class | 95,000 | $2,884 |
| 2021 | Nissan | Rogue | 92,000 | $5,111 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $7,027 | $2,932 | 997 |
| Chevrolet | $6,391 | $2,464 | 993 |
| Toyota | $8,700 | $3,101 | 828 |
| Nissan | $5,569 | $2,232 | 815 |
| Honda | $6,822 | $2,484 | 561 |
Top 5 vehicle makes financed in Florida based on 8,277 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Florida regulations.
Borrowers across Florida tap into their vehicle's equity for a range of real-world needs — from covering unexpected bills to bridging income gaps. Here are the most common reasons our customers request a title loan.
| # | Top Use |
|---|---|
| 1 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
| 4 | Groceries and Household Essentials |
| 5 | Income Gap Coverage (Between Jobs) |
| 6 | Insurance Premiums (Auto or Health) |
| 7 | Rent or Mortgage Payments |
| 8 | Urgent Vehicle Repairs |
Based on common use cases reported by Florida borrowers across 8,277 funded loans.
Qualifying for a car title loan in Florida is often simpler than borrowers expect. Approval is based on two main factors: the vehicle's value and the borrower's ability to repay.
Credit history is not the deciding factor, so applicants with poor or limited credit can still qualify.
A vehicle's year, make, model, mileage, and overall condition are used to assess its current market value. The greater the equity in the vehicle, the larger the potential loan amount may be. The vehicle must hold sufficient value to serve as collateral for the loan.
To qualify, applicants generally need a Florida certificate of title in their name and free of any existing liens. You can expect to get a loan amount of 25% to 50% of the vehicle's appraised value.
Applicants must demonstrate the ability to repay the loan. Proof of income confirms you are capable of repaying the loan, which is an essential factor for approval. This can come from many sources, not only traditional paystubs.
Acceptable income sources include:
Stable, documented income improves approval odds and may support a higher loan amount.
Note for Florida applicants: Benefit-based income typically requires official paperwork showing both the amount and duration of payments. For Florida state benefits, this is usually a Notice of Case Action or Award Letter from the MyACCESS Florida portal.
For federal benefits such as Social Security or VA, an official benefits verification letter serves the same purpose.
Florida drivers can borrow against their vehicle's title while keeping the car, the plates, and daily use of the vehicle.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 1 month | 30% | $25 | $1,025 |
| $3,000 | 1 month | 28% | $70 | $3,070 |
| $5,000 | 1 month | 24% | $100 | $5,100 |
Florida rates drop on a tiered scale as loan amounts grow. Examples show maximum 30-day legal caps under Chapter 537. Final rates and terms vary by lender; check your written contract before signing.
Lenders must be licensed under Ch. 537 or Ch. 516; verify via the OFR REAL system before borrowing. The lender must disclose amount financed, APR, finance charge, and total amount due. There is no prepayment penalty, and the lender must accept partial payments toward your balance. On extensions, unpaid interest cannot be capitalized (added to principal). After repossession, the lender must give 10 days advance written notice before selling the vehicle. The borrower has no personal liability — the lender may not make an agreement allowing it (§ 537.013(1)(d)) — and the lender may not sell or charge for insurance or charge any fee the Act does not authorize (§ 537.013(1)(h), (i)).
📖 Governing law: Florida Title Loan Act, Chapter 537, Florida Statutes
Sources: Florida Title Loan Act, Chapter 537; Florida Consumer Finance Act, Chapter 516; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
State figures last verified against primary statute text on 3 October 2026; statutes cited are the 2025 edition.
Thinking about a title loan in Florida? See if it's the right choice for you before you apply.
Lien and Title system back in 2013, so the lien on your vehicle is recorded electronically with the FLHSMV instead of printed on a paper title.
Each step above, from the application to the vehicle inspection to signing your agreement, can be handled remotely. Approved funds are deposited directly to your bank account, often the same day.
Title loans in Florida are governed by the Florida Title Loan Act, Chapter 537 of the Florida Statutes. The Office of Financial Regulation (OFR) oversees licensing and compliance. Every lender must be licensed, verify any lender at flofr.gov before signing. File a complaint with the OFR at (850) 487-9687 if needed.
Default occurs when the loan is unpaid 30 days after its maturity date. The lender may then repossess using a licensed agent. You must be allowed to remove personal belongings. The lender must give 10 days written notice before any sale. You can still pay the full balance before the sale to reclaim your vehicle. Any surplus from the sale is returned to you.
The most common reasons for denial in Florida are low vehicle value, no clear title in the applicant's name, insufficient income to demonstrate repayment ability, or a title with a lien that exceeds the vehicle's worth. Credit score is rarely the reason.
In Florida, replace a lost title using Form HSMV 82101 through the DHSMV. Standard mail takes 3 to 4 weeks. For same-day service, visit a county tax collector's office in person and request a fast title for an extra fee. Once your duplicate title is issued, you can proceed with your title loan application.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
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1Applications submitted through this website are processed by 5 Star Loans™, Inc., dba 5 Star Car Title Loans™
2Applicants must be at least 18 years of age (19 in Alabama). Loans are not available in all states.
3Use of this website is free. We may share personal information with third-party service providers as necessary to process your loan request, in accordance with our Privacy Policy.
4USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
5Loan proceeds are intended primarily for personal, household, or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to repay the loan.
6Approving loans depends on meeting credit criteria and may include offering certain assets as collateral. The actual loan amounts, terms, and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer.
7Title Loans can be expensive and are intended for short-term financial needs only. Consumers may have access to lower-cost alternatives. Paying the loan early may help reduce additional finance charges.
8Completing the application may take about five (5) minutes. Conditional approval may be issued pending document review. Final funding begins upon full approval and receipt of all required documents signed before 2 PM local time on a business day.
9Title Loan Notice: This loan is secured by your vehicle. If required payments are not made, your vehicle may be repossessed, and you could lose your car. Late or missed payments may be reported to consumer reporting agencies and could negatively affect your credit.
10For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.
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