Title Loan Data for Tampa, FL
$2,292
Average Loan Amount
$300–$10,000
Loan Range
2012
Average Vehicle Year
40
Loans Funded
Based on 40 loans in Tampa 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 Tampa, FL
Actual loan amounts vary based on vehicle condition, mileage, and Florida regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2015 | Buick | Regal | 110,000 | $2,100 |
| 2015 | Acura | TLX | 124,000 | $6,114 |
| 2014 | Nissan | Sentra | 138,000 | $657 |
| 2009 | Honda | Pilot | 207,296 | $1,225 |
| 2003 | Ford | F150 | 202,300 | $2,100 |
| 2009 | Nissan | Altima | 154,000 | $1,500 |
| 2012 | Chevrolet | Silverado 1500 | 96,000 | $2,100 |
| 2018 | Tesla | Model 3 | 100,000 | $3,500 |
| 2013 | Ford | Fusion | 149,328 | $500 |
| 2007 | Dodge | Charger | 148,148 | $600 |
Average Title Loan by Most Common Vehicles in Tampa, FL
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $4,782 | $1,486 | 7 |
| Nissan | $5,558 | $1,740 | 6 |
| Ford | $2,250 | $1,010 | 5 |
| Honda | $9,575 | $1,850 | 3 |
| Dodge | $7,325 | $1,896 | 2 |
Based on 40 loans in Tampa 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? Tampa by the Numbers
What Tampa Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 40 borrowers in Tampa from 2024–2025.
Unemployment Rate in Tampa, Florida
4.9% of Tampa 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 Tampa, Florida
The median household income in Tampa is $75,475. About 15.5% 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 Tampa, FL Residents
Florida law sets no minimum or maximum title loan amount. Amounts in Tampa typically range from around 50 to $10,000 based on your vehicle’s value and ability to repay. You may qualify for up to 50% of your car’s current value. Get a free estimate online.
An older vehicle with high mileage can still qualify for a title loan in Tampa if it holds sufficient market value. The evaluation considers the make, model, year, mileage, and condition together, not mileage or age in isolation. Get a free estimate online.
A car title loan in Tampa uses your vehicle as collateral instead of relying on your credit score. Your car’s value and ability to repay are evaluated, a lien is placed on the title, and funds are released. You keep driving while making payments. Once paid off, the lien is removed and your title is returned. Your vehicle is at risk if payments stop.
No, you will not lose access to your vehicle. The lender holds a lien on the title, not the car itself. You keep driving to work, appointments, and anywhere else for the full duration of the loan.
Most pre-approvals take about 30 minutes. Funding may be available the same day if completed before 2 PM⁸.
In Tampa, 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 Tampa, 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.
