Title Loan Data for Jacksonville, FL
$1,694
Average Loan Amount
$325–$9,627
Loan Range
2010
Average Vehicle Year
214
Loans Funded
Based on 214 loans in Jacksonville 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 Jacksonville, FL
Actual loan amounts vary based on vehicle condition, mileage, and Florida regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2016 | Ford | Mustang | 102,471 | $4,871 |
| 2017 | Toyota | Tundra | 147,435 | $12,436 |
| 2004 | Toyota | Camry | 200,000 | $435 |
| 2013 | Land Rover | Range Rover Sport | 100,000 | $2,018 |
| 2006 | Cadillac | DTS | 160,000 | $1,500 |
| 2014 | Chrysler | 300 | 176,000 | $744 |
| 2003 | Chrysler | Sebring | 157,052 | $1,248 |
| 2006 | BMW | 7-Series | 105,557 | $1,466 |
| 2005 | GMC | Yukon XL | 372,000 | $1,500 |
| 2011 | Chevrolet | Equinox | 179,000 | $900 |
Average Title Loan by Most Common Vehicles in Jacksonville, FL
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $3,391 | $1,442 | 29 |
| Chevrolet | $2,802 | $1,651 | 26 |
| Toyota | $4,913 | $1,852 | 19 |
| Nissan | $3,107 | $1,734 | 17 |
| Honda | $2,227 | $1,198 | 15 |
Based on 214 loans in Jacksonville 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? Jacksonville by the Numbers
What Jacksonville Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 214 borrowers in Jacksonville from 2024–2025.
Unemployment Rate in Jacksonville, Florida
4.6% of Jacksonville 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 Jacksonville, Florida
The median household income in Jacksonville is $69,872. About 14.5% 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 Jacksonville, FL Residents
Title loans are built for speed. Same-day or next-business-day funding is possible for many applicants. The key steps, application, vehicle evaluation, document review, and fund release, can often be completed within one business day. To keep things moving quickly, have your car title, photo ID, and proof of income ready before you apply.
Title loans typically offer 25% to 50% of your vehicle’s value. Florida does not set a minimum or maximum loan amount. Most borrowers in Jacksonville receive between $1,000 and $5,000, depending on the vehicle and income.
Yes. Title loans often come with high costs. Florida caps rates using a tiered system (30%, 24%, and 18% depending on the loan amount), but costs can still add up quickly. You should treat this as a short-term loan and plan to repay it on time.
Example:
If you borrow $3,000 in Jacksonville, you pay about $70 per 30-day period. If you extend the loan every month for a year, that adds up to about $840 in total charges.
Yes. At 5 Star Car Title Loans™, you can complete your pre-approval online for free with no obligation. In most cases, the process, including the application, remote car inspection, and signing the agreement, can be completed from home.
Credit history is a secondary factor, not the main one. Title loan approval in Jacksonville is based mainly on what your vehicle is worth and your ability to repay. Applicants with damaged or limited credit history regularly qualify.
Car title loans and bank loans differ in a few key ways. Bank loans require good credit and take longer to process. Title loans in Jacksonville are faster and do not rely on credit history, but they carry higher interest rates. Title loans are best suited for short-term emergency needs when other credit options are unavailable.
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.
If you stop paying, the lender may repossess your vehicle once the loan is unpaid 30 days past its maturity date. You must be given a chance to remove personal belongings. The lender must give 10 days written notice before selling the vehicle. You can redeem it before the sale by paying the full balance plus costs. Any surplus from the sale is returned to you.
