Car title loans in Florence, AL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Florence, AL.
The median household in Florence earns $52,174 a year, 18% below the Alabama median of $63,999. About 18% of residents live below the federal poverty line, and 47.9% of households rent their home. 8.3% of Florence households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
Alabama law that applies in Florence
| Rate cap | Pawnshop charge of up to 25% of the principal per month. |
|---|---|
| Maximum term | The Act sets no maximum term. |
| Repossession rules | You do not have to redeem or make payments. |
Full rules with statute citations: Title Loans in Alabama. Cities in Alabama cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a title loan in Florence
Most Florence applicants can finish in one sitting if they have these ready:
- A car, truck or motorcycle you own outright or nearly paid off
- The vehicle title in your name (lien-free or close to it)
- A government-issued photo ID that matches the title
- Proof of income (some lenders ask; many accept benefits)
- Photos of the vehicle or a quick inspection
Popular loan amounts in Florence
What Florence borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a title loan in Florence
- Fill out the short form with your car's year, make and mileage.
- Matched lenders contact you to value the car (some use photos).
- Review the amount, monthly rate, APR and repossession terms before you sign.
- Keep driving while you repay; the lien is removed when you pay in full.
Estimate your cost
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Banks and credit unions in the area
Credit unions in Florence
15 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Florence | 1505 N Pine St, Florence 35630 |
| Listerhill | 301 W College St, Florence 35630 |
| Tva Community Credit Union | 406 N Mall Ct, Florence 35630 |
| Alabama Central | 1902 Bruin Dr, Florence 35630 |
| Valley | 304 S Pine St, Florence 35630 |
| Champion Community | 2112 Helton Dr, Florence 35630 |
| Lauderdale County Teachers | 103 Mangum St, Florence 35630 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Lauderdale County · Payday Loans in Florence · Personal Loans in Florence
Frequently asked questions
Can I get a title loan in Florence, AL?
Alabama has no statute that names "title loans." Lenders that hold car titles generally operate as pawnshops ("title pawns") licensed under the Alabama Pawnshop Act, which allows a charge of up to 25% of the principal per month. You can start online; the lender will need to see the car and a lien-free (or nearly paid-off) title in your name.
What happens if I miss a title loan payment in Florence?
You do not have to redeem or make payments. Goods not redeemed within 30 days after the original maturity date are forfeited to the pawnbroker. The pawn ticket must state that the property may be sold after 30 days past maturity with no further notice.
How much can I get for a title loan in Florence?
The amount depends mainly on your vehicle's value, along with your income and Alabama rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
What is a title loan in Florence?
A title loan is a loan secured by your vehicle's title. The lender holds a lien on your car while you keep driving it, and the lien is released once the loan is repaid. Because the car secures the loan, approval depends largely on your vehicle's value, not just your credit. Florence drivers can start a title loan request online in about 3 minutes.
Can I get a title loan online in Florence?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Florence title loan request in about 3 minutes.
How do I get a title loan in Florence?
Gather your vehicle title in your name, a government-issued ID, proof of income and proof of address. Then complete our online form with your vehicle's year, make, model and mileage. A lender may ask for photos or a quick inspection to confirm the car's condition. If you're approved, you'll review the full terms before you sign. It takes about 3 minutes to get started.
Can I get a title loan on a financed car in Florence?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Alabama will tell you what they can offer.
Do I need to visit a store in Florence?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.