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Thinking about getting a title loan in Florida? You’re not alone. Many people turn to title loans when they need fast cash and don’t have perfect credit1. Whether it is an unexpected bill or a much-needed auto repair a car title loan may be your solution to instant cash.
If getting pre approved and receiving cash the same day is something you are looking for you can begin with us today. Get pre-approved in minutes and possibly receive same day cash2. Call us at 888-364-9758.
Florida’s plates have an orange in the middle, but the first ones were made of leather and didn’t have any pictures at all!
A car title loan in Florida is a short-term loan where you borrow money by using your vehicle's title as collateral. The amount you can borrow depends on your car’s value. These loans can range from smaller amounts like $250 up to larger sums, potentially as high as $10,000.
To qualify for a title loan, you must own your car outright and have a clear title in your name. The loan typically lasts 30 days, but it can be extended by mutual agreement with the lender. If you are unable to repay the loan on time, the lender has the right to repossess and sell your vehicle4 to cover the loan amount. Any excess funds from the sale, after covering the loan balance and any fees, will be returned to you.
Title loans are secured by the equity in your vehicle, making them fast and accessible. The process is simple: you apply for the loan, and based on your car’s value, the lender determines the loan amount. Once approved, you receive the cash2 and can keep driving your vehicle while repaying the loan.
The title loan process is quick, often taking only minutes to get approved, and you may receive your cash the same day. However, it’s important to carefully review the loan terms and ensure you can repay the loan in full to avoid repossession4 of your vehicle.
The basic rule is that the lender can only take your car and sell it if you don’t repay the loan. They can’t sue you for the remaining balance after the car is sold. The lender repossesses the car and sells it to recover what you owe4. In most cases you have the ability to pay to get the car back before it is sold. Usually the lender will include repossession cost and the amount that is behind in order to get the car back.
Step 1: Submit Online Form
Start by completing a simple online loan request. You’ll enter your personal details and basic information about your vehicle, such as the year, make, model, and mileage.
Step 2: Take Photos of Your Vehicle
Snap clear pictures of your car from all angles. Be sure to include shots of the front, back, both sides, the odometer, and the VIN number. No need for a physical inspection.
Step 3: Upload Required Documents
Submit your Florida vehicle title (must be in your name), a valid government-issued ID, proof of income1, and a document showing your Florida address (like a utility bill or lease agreement).
Step 4: Review the Loan Offer
Once the lender reviews your application and documents, they’ll send you a loan offer. This will include the loan amount, interest rate, and repayment terms.
Step 5: Sign the Loan Agreement
If you agree to the terms, sign the loan contract electronically. Make sure to read everything carefully and ask questions if anything is unclear.
Step 6: Receive Your Funds
After signing, you can receive your funds via direct deposit, check, or cash, depending on the lender. In many cases, money is available on the same business day.2
Several criteria must be met to qualify for an online title loan in Florida. Applicants must be able to check off the following:
To be able to get an auto title loan in Florida, you need to provide a few key documents.
If you’re wondering whether you qualify for a car title loan in Florida, the answer might be simpler than you think. If you own a car and have some form of steady income, you’re already on the right track. These loans are based more on your car’s value and your ability to repay the loan, not your credit score—making them a popular option for people with poor credit.
Your car does more than get you from place to place—it can also help you get fast cash in an emergency. Lenders will look at your car’s year, make, model, mileage, and condition to decide how much it’s worth. The more value or equity your car has, the more money you may be able to borrow.
To qualify, you’ll need to have a clear Florida car title—meaning you fully own the vehicle and there are no loans or liens attached to it. Most lenders allow you to borrow 25% to 50% of your car’s current value.
To get a car title loan in Florida, you’ll need to show that you have a way to repay the loan. While having a traditional job can help, it’s not required. Lenders accept many forms of income, such as self-employment, social security, disability benefits, or other steady payments.
The key is having a reliable income source that proves you can make your loan payments on time1. If you do not have proof of income you may still have the option to get a title loan. In general, the more stable your income is, the better your chances of getting approved—and possibly qualifying for a higher loan amount.
Title loans can be used for a variety of urgent expenses. Common uses include:
Title loans can consolidate other debts, simplifying multiple payments into one personal loan. Others may use the funds for personal expenses like travel or everyday living costs during financial hardships.
The flexibility of title loans makes them a practical solution for various financial needs.
Lender Tip: We recommend using title loans for emergencies due to high interest rates.4 Make sure you read the title loan agreement to fully understand the terms of your loan.
The amount you can borrow with a car title loan in Florida depends on how much your car is worth. In most cases, you can get a loan for anywhere between $100 and $10,000. Lenders look at your car’s value and how much money you need to decide how much to offer1. Usually, the more your car is worth, the more money you can get.
Using a car is not the only option you have when searching for an online title loan. We also work with non standard vehicles like:
If you're thinking about getting a car title loan in Florida, it’s important to understand the laws that protect you. The Florida Title Loan Act (Fla. Stat. § 537) sets clear rules for interest rates, loan terms, and lender responsibilities to ensure fair lending practices. These regulations help protect borrowers from unfair treatment and make sure lenders follow the law.
| Agency | Role |
| Florida Department of Financial Services (FDFS) | Issues license and regulates title loan lenders in the state. |
| Florida Office of Financial Regulation (OFR) | Monitors and enforces financial laws, including title loan compliance. |
| Consumer Financial Protection Bureau (CFPB) | Offers federal oversight and consumer education regarding fair lending. |
| Regulation | Details |
| Licensing Required | All title loan lenders must be licensed by the Florida Department of Financial Services. |
| Interest Rate Limits | - Up to 30% APR for the first $2,000 borrowed.*- 24% on the next $1,000.*- 18% on any amount above $3,000.* |
| Loan Term Limit | Maximum of 30 days, but extensions (rollovers) are allowed with both parties' agreement. |
| Full Disclosure | Lenders must clearly explain all loan terms, interest, fees, and repayment conditions. |
*Disclaimer: FDIC members banks may charge higher interest rates.
A car title loan in Florida can be a fast and easy way to get cash when you need it most—even if you have bad credit. By using your car’s title as collateral, you may qualify for same-day funding without the long wait or complicated process of traditional loans.2
But while these loans offer speed and flexibility, they also come with risks—including high interest rates and the possibility of vehicle repossession if you can’t repay on time4. That’s why understanding the loan terms, your rights, and the total cost is so important.
Call us today or submit a quick online loan request to explore your options—no obligation, no hassle. Our team is ready to guide you every step of the way and help you find a solution that fits your needs.
Yes, Florida permits car title loans. Regulated under the Florida Title Loan Act, these loans outline legal requirements for lenders and protect borrowers. Title loan lenders in Florida must be licensed by the state Office of Financial Regulation to operate legally.
A borrower’s credit history is not a major determining factor for obtaining a car title loan in Florida, as these loans are secured by the vehicle’s value rather than credit history. While lenders may conduct a credit check to assess financial reliability, the primary focus is on the vehicle’s equity and the borrower’s income.1
Thus, even those with poor credit can qualify, making it a viable option for quick cash.
Having a bankruptcy does not automatically disqualify you from obtaining a title loan in Florida. Lenders often focus on the vehicle’s value rather than the borrower’s credit history. However, borrowers involved in an active bankruptcy cannot qualify for a title loan unless they have specific trustee approval.
Additionally, title loans are not discharged in bankruptcy, meaning the debt remains even after filing.
Yes, you can quickly check if your car qualifies for a title loan by providing details such as the make, model, year, and mileage. For a fast and accurate assessment, visit us online or call today.
Paying off your title loan is simple with the right plan. Once you repay the loan and interest, your car title is returned. Most lenders allow you to pay online or at locations like MoneyGram, giving you flexibility.
Read your loan terms carefully to avoid surprises. If you can, pay early—it often saves you money. Only borrow what you need and can afford. This helps you avoid late payments and losing your car. Smart repayment keeps you in control and protects your vehicle.
Written by
Bryan Solis
Bryan Solis brings over a decade of expertise in the lending industry, specializing in auto finance, personal loans, and car title loans, with experience in both prime and subprime lending. Leveraging his academic foundation in Business Administration, he has played a role in in the growth of start-ups as well as driving sustained success in established organizations. Currently serving as Head of Sales at 5 Star Loans, he has demonstrated exceptional skills in operational leadership and client relationship management, contributing to the company’s success.
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Applications submitted on this website may be originated by one of several lenders, including: 5 Star Loans, Inc., dba 5 Star Car Title Loans, a licensed lender in California; or one of our lending partners, including tribal lenders.
Loans originated by our lending partners will not be serviced by 5 Star Car Title Loans.
*Choosing a loan amount between $250 to $2000, will connect you to our lending partners who provide installment and payday loans.
Applicants must be at least 18 years of age (19 in Alabama). Loans not available in all states.
See State Disclosures for additional information.
1Approving loans depends on meeting the credit criteria of the lender, and may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc. This could also 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. 5 Star Car Title Loans® has no control over other lenders’ interest rates or payments.
Proceeds of the loan are meant to be mostly used for personal, household or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to pay the loan back.
2Filling in the application form can take five (5) minutes to finish. When completed, conditional approval could be given, even though review of documentation is pending. Final funding time begins from the time the request gets final approval after it has been received and reviewed, with all necessary documents, and signed before 2pm of your lender’s local time during a business day.
3Some lenders offer option to rescind. If the consumer chooses to exercise the right to rescind the application, the consumer(s) must send a written notification to the lender before midnight on the 3rd calendar day after receiving the loan. The consumer(s) needs to return all monies received and the fees paid on the consumer(s) behalf by certified funds within one business day.
4Car Title Loans are expensive, and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. We encourage and suggest that consumers pay often and early to avoid any additional finance charges.
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