Title Loan Data for Winter Haven, 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 Winter Haven 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 Winter Haven, 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 Winter Haven, 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 Winter Haven 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? Winter Haven by the Numbers
What Winter Haven Borrowers Used Their Loan For
| # | Top Use |
|---|---|
| 1 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
Based on 4,335 borrowers in Winter Haven from 2024–2025.
Unemployment Rate in Winter Haven, Florida
5.1% of Winter Haven 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 Winter Haven, Florida
The median household income in Winter Haven is $59,648. About 16.4% 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 Winter Haven, FL Residents
Defaulting on a title loan has serious consequences. Once 30 days past the maturity date, the lender may repossess using a licensed agent. Florida law requires 10 days written notice before any sale. You can redeem the vehicle before the sale by paying the full balance. Any surplus proceeds are returned to you.
To apply online, complete the free estimate form on the website. You will need your vehicle details, proof of income, and your Florida address. The process is mobile-friendly and can be completed in minutes from your phone.
A lien-free title means your car is fully paid off with no other lender holding a claim on it. This is required because when you take out a title loan, the lender adds their name to your title as the lienholder to secure the loan. Once you repay the loan in full, the lender is removed from the title and you get it back free and clear. You can verify your lien status through the Florida DHSMV using your VIN.
No, you do not need good credit to qualify. Title loans are specifically designed for borrowers with poor or limited credit. Approval in Winter Haven is based on your vehicle’s value and your ability to repay, not your credit score. That is why title loans are a practical option for people banks have turned down. Get a free estimate to find out where you stand.
The requirements for a title loan in Winter Haven are straightforward:
Car title in your name
Government-issued photo ID
Proof of income
Proof of Florida address
Social Security number
Your credit score is not the main factor for title loan approval. Approval is based on your vehicle’s value and ability to repay.
Yes. You may still qualify with bad credit or a past bankruptcy. Approval is based mainly on your vehicle’s value and your ability to repay.
Yes. You keep and drive your car throughout the entire loan term.
For many applicants, the vehicle evaluation in Winter Haven is done online using the details and photos you submit. A physical in-person inspection is not always required. Get a free estimate online to start the process from home.
