Title Loan Data for Brandon, FL
$1,887
Average Loan Amount
$475–$8,472
Loan Range
2011
Average Vehicle Year
31
Loans Funded
Based on 31 loans in Brandon from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Florida regulations.
Actual Title Loans Funded in Brandon, FL
Actual loan amounts vary based on vehicle condition, mileage, and Florida regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2017 | Dodge | Grand Caravan | 133,000 | $4,107 |
| 2006 | Ford | Expedition | 186,758 | $657 |
| 2011 | Cadillac | SRX | 150,000 | $2,068 |
| 2014 | Mazda | Mazda6 | 189,000 | $707 |
| 2009 | Cadillac | CTS | 140,000 | $657 |
| 2004 | Ford | F150 | 176,000 | $978 |
| 2013 | Ford | F150 | 207,000 | $1,902 |
| 2014 | Nissan | Sentra | 150,000 | $657 |
| 2002 | Buick | LeSabre | 115,000 | $500 |
| 2017 | Chevrolet | Tahoe | 85,450 | $6,977 |
Average Title Loan by Most Common Vehicles in Brandon, FL
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $4,263 | $2,412 | 6 |
| Nissan | $8,150 | $2,062 | 6 |
| Chevrolet | $7,892 | $3,284 | 3 |
| Buick | $2,883 | $1,167 | 3 |
| Dodge | $2,263 | $2,434 | 2 |
Based on 31 loans in Brandon from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Florida regulations.
Did You Know? Brandon by the Numbers
What Brandon Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 31 borrowers in Brandon from 2024–2025.
Unemployment Rate in Brandon, Florida
4.6% of Brandon residents are currently unemployed, compared to the Florida state average of 5.0%.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Median Household Income in Brandon, Florida
The median household income in Brandon is $79,685. About 11.4% of residents live below the federal poverty line.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
Title Loan Regulations in Florida
- Interest rate cap: Tiered: 30% per year on first $2,000; 24% per year on $2,001-$3,000; 18% per year above $3,000
- Loan range: $250 to $10,000 (typical market range)
- Repayment term: 30-day term, extendable for additional 30-day periods
- Regulated by: Florida Office of Financial Regulation (OFR)
What a Title Loan Costs in Florida
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 30 days | 30% | $25 | $1,025 |
| $3,000 | 30 days | 28% | $69 | $3,069 |
| $5,000 | 30 days | 24% | $99 | $5,099 |
Your actual rate and payment depend on your lender and agreement. Always ask your lender for the full APR before signing.
📖 Governing law: Florida Title Loan Act, Chapter 537, Florida Statutes
See all Florida title loan rules and consumer protections on our Florida title loans page.
Title Loan Questions for Brandon, FL Residents
A car title loan works by using your vehicle as collateral. Your car’s value and ability to repay are evaluated, a lien is placed on the title, and funds are released. You keep driving throughout the loan term. Once fully repaid, the lien is removed and your title is returned. Be aware: if you default, the lender may repossess the vehicle.
Yes, you keep your car when you take out a title loan in Brandon. You hand over the title as security, but your keys stay with you and you continue using your vehicle as normal for the full duration of the loan. The vehicle is only at risk if payments stop.
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
In Brandon, FL, your car can be repossessed if you fail to pay within 30 days after the loan’s due date. The law requires written notice before sale. You can reclaim the vehicle by paying the full balance plus fees.
No credit check is required for pre-approval or a free estimate. Approval is based primarily on your vehicle’s value and your ability to repay.
Proof of income is a requirement, but it is flexible. In Brandon, accepted income documentation can include pay stubs, bank statements, Social Security or disability letters, pension award letters, and self-employment records. The goal is to show you can repay the loan.
Florida caps title loan rates: 30% on the first $1,000, 24% on $1,001 to $3,000, and 18% above $3,000. Term is 30 days, extendable by mutual agreement.
| Loan Amount | Term | APR | Interest Owed | Total Due |
| $,000 | 30 days | 30% | ~5 | ~,025 |
| $,000 | 30 days | ~28% | ~9 | ~,069 |
| $,000 | 30 days | ~24% | ~9 | ~,099 |
Actual rates and terms may vary based on the loan amount and the borrower’s specific situation.
After full repayment, the lender releases the lien electronically through the Florida DHSMV, typically within 10 business days. The title stays electronic unless you request a paper copy via the Florida MyDMV Portal (small fee, mailed within 3 to 4 weeks). You can verify lien release status through the DHSMV using your VIN.
