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Florida Title Loans Online

Apply for Online Title Loans in Florida with a fast and easy application form.

Title Loans Without Proof of Income. Get the best cash loans on car titles in Florida. Apply completely online with no store visit. Get instant decision within 30 minutes. Receive the necessary funds even with bad credit with no credit check.

Choose your city to find the best Title Loans nearby

Florida Title Loan laws and regulations

Before applying for a Car Title Loan, always check if this cash loan type is legal in your state. There may be certain Title Loan amounts, rates and fees limits. Besides, there’re often Florida car title repossession laws you should also know.

Rates can vary depending on the Title Loan company you choose. On average, you can get up to  $10,000 and the annual interest rates can be anywhere between 80% and 204%. Check your maximum allowed amount and interest rates while you pre-qualify for Florida Title Loan online.

Florida Title Loan interest rate limitations

According to Florida state law, the lender may impose an interest rate of up to:

Annual Percentage RateLoan Amount
30%$2,000 or less
18%More than $3,000

Where to get a Car Title Loan in Florida?

When you need a quick Car Title Loan in Florida, Online Title Loans are the best option to consider. You can apply completely online with no store visit and no inspection and get instant decision from the top rated Florida Title Loan companies.

As long as you have a clear vehicle title in your name, you are likely to get guaranteed approval and the funding asap.

How to apply for Florida Title Loans Online?

Every Florida resident, even with bad credit, can get a Title Loan or Title Pawn with a simple online application. Just follow 3 easy steps:

  1. Complete a free online title loan application form. State your personal and your vehicle information. We assure its confidentiality and safety.
  2. Talk to a lender and agree upon the loan terms and rates.
  3. Visit a local Title Loan company for verification and once approved, pick up your cash immediately.


Florida Title Loans Requirements

Car Title Loans in Florida are fast and easy to get as long as you meet a few basic requirements:

  • A clear vehicle title with only your name on it
  • The vehicle itself or its photos
  • A proof of income
  • A Government-issued ID
  • Proof of Florida residence
  • Active bank account
  • Proof of valid vehicle insurance and registration

Though these are the most common eligibility criteria, it’s also possible to get Title Loans with no income verification, no job, no inspection, etc. Apply now to check the rates and choose the best lender.

What details are included in the Florida Title Loan Agreement?

The contract itself contains the information that must be included on the title loan agreement, as specified by the state of Florida. Let’s clarify the specifics of the car.

The agreement should specify:

  1. Vehicle brand
  2. Vehicle type
  3. The production year
  4. The vehicle’s license plate number (VIN)
  5. Include the vehicle’s license plate number, if relevant.
  6. There is no requirement for the car’s mileage.

Florida’s Car Repossession Laws

The worst case when submitting an online application for a title loan is being unable to pay back the money. Lender has the right to initiate the repossession procedure in this situation. In other jurisdictions, lenders can send a “repo guy” to seize the car, but this is not the case in Florida.

The process of repossession begins when the borrower refuses to pay back the debt or is unable to do so, and:

  • After the missing payment, the lender has a 30-day grace period before taking back possession of the vehicle.
  • The borrower should receive notification from the lender that a repossession is taking place and that they are responsible for returning the car on their own.
  • Before handing the car over to the lender, the borrower may remove their belongings from the car.

If you make the necessary payments within the 30-day window, you can keep your car from being repossessed. When the lender seizes the vehicle, they are required to give you at least ten days’ notice by sending you an invoice that details your debt as well as the date set aside for the vehicle’s auction. The borrower has the option to go to the auction and purchase the car.

 Car Repossession Facts for 2021-2022

  • Every year 2.2 million autos are repossessed (2022 updated data)
  • 5,418 repossessions daily
  • 226 cars are repossessed every hour
  • 76 seizures per minute

65% of annual new automobile sales are made up of repossessions. Accordingly, each year, one existing vehicle will be repossessed for every 2.4 autos that are sold.

Early Repayment and Partial Payments

Many borrowers are interested in learning more about early repayment options and partial payments in addition to the procedure for car repossession, the formal contract, and the interest rate.

In some areas, lenders have the right to reject partial payments and impose fees on borrowers who pay off loans early. None of those applies in Florida. Florida law stipulates that if the borrower wants to pay off the credit early, the lender can and should accept partial payments without assessing fees.

A lender cannot compel you to give up any of your rights, buy you insurance, reject partial payments, or impose prepayment penalties. To put it another way, if you decide to pay off the loan early, the lender is not allowed to punish you by adding any extra penalties or charges.

Once the loan has been fully returned, the lender of the title loan must likewise release their lien on the vehicle’s title. The lender is also in charge of keeping the vehicle safe and secure if it was repossessed.

Before applying for a Title Loans consider alternatives available in Florida

What do I need to get a Title Loan in Florida?

When you send a title loan request you’ll need to provide the following documents: A valid government-issued photo ID The car title in your name Any proof of income Florida residence proof References

How do Title Loans work in Florida?

Car Title Loans differ by a fast and easy application and quick funding. You fill out an application form online. Negotiate the loan amount, rates and terms with a lender. Once approved, get the loan in the amount of 25% - 50% of the car value same day.

How can I get a Title Loan online in Florida?

To take out a Car Title Loan completely online you should find a lending company that offers Title Loans in Florida with no store visit and no inspection. Then you’ll be able to apply online, provide your vehicle’s photos for verification and get the money with a direct deposit.

Can I get Florida Title Loans with no credit check?

Yes. Florida Title Loans are secured by your vehicle as collateral. You don’t need a good credit score to qualify for the necessary amount. And most lenders don't do a credit check.