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From the Gulf Coast to the Atlantic, drivers across the Sunshine State use title loans in Florida to cover surprise expenses without giving up their car. Borrowers in Miami and Tampa are among the most common applicants we see week to week.
A car title loan here works against the equity already in your vehicle, and the application can be started online in minutes. Most Florida files we fund are sedans and SUVs, and you keep driving while you pay the loan back.
$2,679
Average Loan Amount
$575 to $7,944
Typical Loan Range
2012
Avg Vehicle Year
7,248
Loans Funded
Based on 7,248 loans in Florida from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Florida regulations.
Recent funded loans in Florida. Actual loan amounts vary based on vehicle condition, mileage, and Florida regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2014 | Ford | F150 | 263,000 | $2,100 |
| 2016 | Ford | Mustang | 102,471 | $4,871 |
| 2015 | Toyota | Camry | 183,000 | $2,201 |
| 2015 | Ford | F150 | 160,000 | $2,642 |
| 2014 | Honda | CR-V | 180,451 | $3,335 |
| 2011 | Cadillac | Escalade | 334,652 | $2,068 |
| 2017 | Dodge | Grand Caravan | 133,000 | $4,107 |
| 2021 | Ford | Mustang | 90,000 | $2,283 |
| 2019 | Hyundai | Tucson | 127,763 | $3,587 |
| 2018 | Honda | Civic | 155,000 | $2,100 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $6,195 | $2,395 | 874 |
| Ford | $7,036 | $2,948 | 868 |
| Toyota | $8,634 | $3,004 | 726 |
| Nissan | $5,479 | $2,202 | 719 |
| Honda | $6,805 | $2,472 | 494 |
Top 5 vehicle makes financed in Florida based on 7,248 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Florida regulations.
5 Star Car Title Loans serves borrowers across Florida, with a strong presence in Jacksonville, St. Petersburg, and Clearwater. Additional Florida cities served include Hollywood, Orlando, Tampa, Port St. Lucie, and Brandon.
Borrowers across Florida tap into their vehicle's equity for a range of real-world needs — from covering unexpected bills to bridging income gaps. Here are the most common reasons our customers request a title loan.
| # | Top Use |
|---|---|
| 1 | Critical Home Repairs (Roof, Plumbing) |
| 2 | Electric and Water Utilities |
| 3 | Emergency Medical Bills |
| 4 | Groceries and Household Essentials |
| 5 | Income Gap Coverage (Between Jobs) |
| 6 | Insurance Premiums (Auto or Health) |
| 7 | Rent or Mortgage Payments |
| 8 | Urgent Vehicle Repairs |
Based on common use cases reported by Florida borrowers across 7,248 funded loans.
Qualifying for a car title loan in Florida is often simpler than borrowers expect. Approval is based on two main factors: the vehicle's value and the borrower's ability to repay.
Credit history is not the deciding factor, so applicants with poor or limited credit can still qualify.
A vehicle's year, make, model, mileage, and overall condition are used to assess its current market value. The greater the equity in the vehicle, the larger the potential loan amount may be. The vehicle must hold sufficient value to serve as collateral for the loan.
To qualify, applicants generally need a Florida certificate of title in their name and free of any existing liens. You can expect to get a loan amount of 25% to 50% of the vehicle's appraised value.
Applicants must demonstrate the ability to repay the loan. Proof of income confirms you are capable of repaying the loan, which is an essential factor for approval. This can come from many sources, not only traditional paystubs.
Acceptable income sources include:
Stable, documented income improves approval odds and may support a higher loan amount.
Note for Florida applicants: Benefit-based income typically requires official paperwork showing both the amount and duration of payments. For Florida state benefits, this is usually a Notice of Case Action or Award Letter from the MyACCESS Florida portal.
For federal benefits such as Social Security or VA, an official benefits verification letter serves the same purpose.
Florida drivers can borrow against their vehicle's title while keeping the car, the plates, and daily use of the vehicle.
Florida is home to 23,372,215 residents across 411 incorporated cities and towns.
Top metros include Miami (6,391,670), Tampa (2,957,530), and Orlando (1,948,160).
On average, 5.0% of Florida residents across the state's cities and towns are currently unemployed.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
The median household income across Florida cities and towns is $78,768.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 1 month | 30% | $25 | $1,025 |
| $3,000 | 1 month | 28% | $69 | $3,069 |
| $5,000 | 1 month | 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.
đź“– Governing law: Florida Title Loan Act, Chapter 537, Florida Statutes
Sources: Florida Title Loan Act, Chapter 537; Florida Consumer Finance Act, Chapter 516; Federal Truth in Lending Act (TILA), 15 U.S.C. §1601
Lien and Title system back in 2013, so the lien on your vehicle is recorded electronically with the FLHSMV instead of printed on a paper title.
Each step above, from the application to the vehicle inspection to signing your agreement, can be handled remotely. Approved funds are deposited directly to your bank account, often the same day.
To qualify for a car title loan in Florida, applicants generally need to meet these requirements:
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.
Default occurs when the loan is unpaid 30 days after its maturity date. The lender may then repossess using a licensed agent. You must be allowed to remove personal belongings. The lender must give 10 days written notice before any sale. You can still pay the full balance before the sale to reclaim your vehicle. Any surplus from the sale is returned to you.
The most common reasons for denial in Florida are low vehicle value, no clear title in the applicant's name, insufficient income to demonstrate repayment ability, or a title with a lien that exceeds the vehicle's worth. Credit score is rarely the reason.
In Florida, replace a lost title using Form HSMV 82101 through the DHSMV. Standard mail takes 3 to 4 weeks. For same-day service, visit a county tax collector's office in person and request a fast title for a 0 extra fee. Once your duplicate title is issued, you can proceed with your title loan application.
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.
The requirements for a title loan in Florida 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.
You apply, your vehicle's value and ability to repay are evaluated, a lien is placed on the title, and funds are released. You keep driving throughout the loan term. Once paid in full, the lien is released and your title is returned.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
NMLS ID 1442517
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1Applications submitted through this website are processed by 5 Star Loans™, Inc., dba 5 Star Car Title Loans™
2Applicants must be at least 18 years of age (19 in Alabama). Loans are not available in all states.
3Use of this website is free. We may share personal information with third-party service providers as necessary to process your loan request, in accordance with our Privacy Policy.
4USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
5Loan proceeds are intended primarily for personal, household, or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to repay the loan.
6Approving loans depends on meeting credit criteria and may include offering certain assets as collateral. The actual loan amounts, terms, and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer.
7Title Loans can be expensive and are intended for short-term financial needs only. Consumers may have access to lower-cost alternatives. Paying the loan early may help reduce additional finance charges.
8Completing the application may take about five (5) minutes. Conditional approval may be issued pending document review. Final funding begins upon full approval and receipt of all required documents signed before 2 PM local time on a business day.
9Title Loan Notice: This loan is secured by your vehicle. If required payments are not made, your vehicle may be repossessed, and you could lose your car. Late or missed payments may be reported to consumer reporting agencies and could negatively affect your credit.
10For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.
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