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.
Yes. Every lender must be licensed by the Florida Office of Financial Regulation.
Bad credit? You may still qualify.
No traditional job? Social Security, disability, or other verifiable income may count.
$2,751
Average Loan Amount
$575 to $8,093
Typical Loan Range
2012
Avg Vehicle Year
8,470
Loans Funded
Based on 8,470 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 |
|---|---|---|---|---|
| 2016 | Ram | 1500 | 124,000 | $3,606 |
| 2013 | Chevrolet | Silverado 2500 | 234,000 | $4,428 |
| 2023 | Tesla | Model 3 | 80,000 | $2,972 |
| 2020 | Toyota | C-HR | 67,000 | $3,606 |
| 2017 | Nissan | Armada | 220,000 | $2,743 |
| 2015 | Ford | F350SD | 170,000 | $4,107 |
| 2021 | Nissan | Titan | 124,000 | $6,187 |
| 2015 | Toyota | Prius | 139,000 | $3,104 |
| 2013 | Toyota | Tacoma | 134,000 | $2,525 |
| 2010 | Toyota | 4Runner | 245,678 | $10,000 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $6,537 | $2,490 | 1,023 |
| Ford | $7,043 | $2,937 | 1,016 |
| Toyota | $8,718 | $3,118 | 844 |
| Nissan | $5,566 | $2,229 | 830 |
| Honda | $6,835 | $2,490 | 568 |
Top 5 vehicle makes financed in Florida based on 8,470 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and Florida regulations.
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 8,470 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.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 1 month | 30% | $25 | $1,025 |
| $3,000 | 1 month | 28% | $70 | $3,070 |
| $5,000 | 1 month | 24% | $100 | $5,100 |
Florida rates drop on a tiered scale as loan amounts grow. Examples show maximum 30-day legal caps under Chapter 537.
Final rates and terms vary by lender; check your written contract before signing.
📖 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
State figures last verified against primary statute text on 3 October 2026; statutes cited are the 2025 edition.
Thinking about a title loan in Florida? See if it's the right choice for you before you apply.
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.
Your car is the collateral, so it can be repossessed if you default. After repossession, the lender must give 10 days advance written notice before selling the vehicle. If the sale brings less than you owe, the lender cannot collect the difference from you.
Yes. Title loans often come with high costs. Rate cap in Florida: 30% a year on the first $2,000, 24% up to $3,000, 18% above. Fees: None — no finance charge, interest or fee beyond what Chapter 537 authorizes (Fla. Stat. § 537.013(1)(i)). Our APRs go up to 150% and never exceed the cap set by state law. Even at the capped rate, a title loan usually costs more than a personal loan from a bank or credit union. The cost table in the Regulations section shows worked examples for Florida.
Under Florida law, unlimited 30-day extensions by mutual consent; unpaid interest may not be capitalized (Fla. Stat. § 537.011(3)).
Yes. You can pay off your loan early at any time, and there is no prepayment penalty.
Contact the Florida Office of Financial Regulation, which licenses title lenders in Florida. You can also use it to check that a lender is licensed before you sign.
No credit check is needed to pre-qualify. A soft credit check may be required as part of the final approval process. That does not affect your FICO score. Borrowers with bad credit are welcome to apply: we focus mainly on your ability to repay and your vehicle's value and equity, rather than your credit score alone.
Yes. Your car's value sets how much you can borrow, and condition and mileage both affect that value. We usually lend 25% to 50% of your car's value, sometimes more. There is no mileage limit, and salvage or rebuilt titles can qualify with a lower appraisal. A car that doesn't run may still qualify, usually for less.
Yes. The whole process can be done online, with no store visit required, and you keep driving your car while you repay. A GPS device is needed only in some cases, and you are told before you sign.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
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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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