Title Loan Data for St. Petersburg, FL
$2,105
Average Loan Amount
$500–$7,500
Loan Range
2011
Average Vehicle Year
66
Loans Funded
Based on 66 loans in St. Petersburg 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. Petersburg, FL
Actual loan amounts vary based on vehicle condition, mileage, and Florida regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2022 | Honda | Pilot | 44,428 | $3,104 |
| 2015 | Dodge | Challenger | 11,700 | $6,000 |
| 2014 | Chevrolet | Malibu | 253,061 | $657 |
| 2016 | Dodge | Challenger | 150,000 | $2,597 |
| 2010 | Cadillac | CTS | 139,705 | $657 |
| 2017 | Toyota | Corolla | 47,000 | $3,714 |
| 2019 | Tesla | Model 3 | 84,595 | $7,118 |
| 2006 | Dodge | Magnum | 190,000 | $3,000 |
| 2018 | BMW | X6 | 110,000 | $4,609 |
| 2021 | Jeep | Gladiator | 32,229 | $3,500 |
Average Title Loan by Most Common Vehicles in St. Petersburg, FL
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Nissan | $3,925 | $2,127 | 11 |
| Chevrolet | $11,754 | $1,552 | 10 |
| Ford | $5,165 | $2,852 | 9 |
| Toyota | $6,375 | $2,931 | 6 |
| Honda | $5,995 | $2,377 | 5 |
Based on 66 loans in St. Petersburg 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? St. Petersburg by the Numbers
What St. Petersburg Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 66 borrowers in St. Petersburg from 2024–2025.
Unemployment Rate in St. Petersburg, Florida
4.7% of St. Petersburg 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 St. Petersburg, Florida
The median household income in St. Petersburg is $75,192. About 12.5% 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 St. Petersburg, FL Residents
Florida law sets no minimum or maximum title loan amount. In practice, amounts in St. Petersburg typically range from around 50 to $10,000, based on your vehicle’s value, ability to repay, and loan term. You may qualify for up to 50% of your car’s current value. Get a free estimate online.
Yes, you may still qualify even with a high-mileage or older vehicle. What matters most is the vehicle’s current market value, not its age or mileage alone. A well-maintained older car can still carry enough value to qualify in St. Petersburg. Get a free estimate to find out.
Yes, you keep driving your car throughout the entire loan term. A lien is placed on the title, not physical possession of your vehicle. Your keys stay with you and your daily routine stays the same. Just keep up with payments, and once the loan is paid off, you get your title back.
Yes, you keep your car throughout the loan. The title is used as collateral, not the vehicle itself. You continue driving as normal until the loan is fully repaid and the lien is released.
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
In St. Petersburg, 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 St. Petersburg, 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.
