Title Loan Data for St Cloud, FL
$2,794
Average Loan Amount
$100–$29,993
Loan Range
2012
Average Vehicle Year
4,335
Loans Funded
Based on 4,335 loans in St Cloud 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 St Cloud, FL
Actual loan amounts vary based on vehicle condition, mileage, and Florida regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2010 | Mini | Cooper | 110,000 | $657 |
| 2016 | Nissan | Altima | 180,810 | $657 |
| 2016 | Ford | Mustang | 102,471 | $4,871 |
| 2014 | Ford | F150 | 263,000 | $2,100 |
| 2015 | Toyota | Camry | 183,000 | $2,201 |
| 2015 | Ford | F150 | 160,000 | $2,642 |
| 2011 | Cadillac | Escalade | 334,652 | $2,068 |
| 2014 | Honda | CR-V | 180,451 | $3,335 |
| 2017 | Dodge | Grand Caravan | 133,000 | $4,107 |
| 2019 | Hyundai | Tucson | 127,763 | $3,587 |
Average Title Loan by Most Common Vehicles in St Cloud, FL
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Ford | $7,173 | $3,020 | 538 |
| Chevrolet | $6,588 | $2,545 | 528 |
| Toyota | $9,122 | $3,392 | 434 |
| Nissan | $5,393 | $2,199 | 421 |
| Honda | $6,798 | $2,470 | 291 |
Based on 4,335 loans in St Cloud from 2024 to 2025. Actual loan amounts vary based on your vehicle’s condition, mileage, your ability to repay the loan, and Florida regulations.
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 St Cloud, FL Residents
A vehicle may not qualify in St Cloud if the title is not in the applicant’s name, has a lien that exceeds the vehicle’s value, has a salvage title with very low assessed value, or the vehicle is too old or damaged to hold sufficient market value.
You can replace a lost title through the Florida DHSMV by filing Form HSMV 82101. By mail, expect 3 to 4 weeks. For same-day service, visit a Florida county tax collector’s office in person and request a fast title for a 0 additional fee. Once the duplicate is issued, you can proceed with your application.
The online application takes a few minutes. Many applicants receive approval the same day. Funding follows once documents are verified. To get the fastest result, prepare your documents before you apply: car title, government-issued photo ID, and proof of income. Get a free estimate online to see how quickly you can get started.
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 St Cloud 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 St Cloud, 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.
A credit check may be run as part of the process, but a limited or poor credit history does not disqualify you. Because the loan is secured by your vehicle, credit history plays a minor role. Approval is based primarily on your vehicle’s value and your ability to repay.
The main advantages of a title loan in St Cloud are speed and accessibility. You do not need good credit, the process is fast, and you can receive funds in as little as one business day. The trade-off is a higher interest rate compared to bank loans. Title loans work best for urgent, short-term financial needs.
