Car title loans in Florida
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Florida title loan rules at a glance
| Governing law | Florida Title Loan Act, Chapter 537, Florida Statutes. No one may act as a title loan lender without a current OFR license. (Fla. Stat. ss. 537.004(1), 537.011) |
|---|---|
| Rate / fee cap | 30% a year on the first $2,000 of principal, 24% a year on the part between $2,000 and $3,000, and 18% a year on the part above $3,000. (Fla. Stat. s. 537.011(1)) |
| Renewals | A title loan may be extended for one or more 30-day periods if you and the lender both agree. An extension cannot carry a higher rate than the original loan, and unpaid interest may not be added to the principal. (Fla. Stat. s. 537.011(3)) |
| Repossession notice / right to cure | At least 10 days before selling a repossessed vehicle, the lender must tell you the date, time and place of the sale and give you a written accounting of what you owe. Until the sale, you can get the vehicle back by paying principal, interest through the repossession date and reasonable repossession and sale expenses. (Fla. Stat. s. 537.012(3)) |
| Surplus after sale | Yes. Within 30 days after the sale, you are entitled to any sale proceeds above the principal, interest and reasonable expenses. If you must sue for it and win, you can recover attorney's fees and costs. (Fla. Stat. s. 537.012(5)) |
Title loans online in Florida
You can start a Florida title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
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.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
Title Loans by city in Florida
Counties in Florida
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Also see: Payday Loans in Florida · Personal Loans in Florida · All Florida loan options
Frequently asked questions
Are title loans legal in Florida?
Car title loans are legal in Florida from lenders licensed under the Florida Title Loan Act (Chapter 537), with interest capped at 18%-30% a year depending on loan size.
What interest can title lenders charge in Florida?
30% a year on the first $2,000 of principal, 24% a year on the part between $2,000 and $3,000, and 18% a year on the part above $3,000.
When can a title lender repossess my car in Florida?
At least 10 days before selling a repossessed vehicle, the lender must tell you the date, time and place of the sale and give you a written accounting of what you owe. Until the sale, you can get the vehicle back by paying principal, interest through the repossession date and reasonable repossession and sale expenses.
Do I get money back if my car is sold in Florida?
Yes. Within 30 days after the sale, you are entitled to any sale proceeds above the principal, interest and reasonable expenses. If you must sue for it and win, you can recover attorney's fees and costs.
What do I need for a title loan in Florida?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Florida, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
How much can I get for a title loan in Florida?
The amount depends mainly on your vehicle's value, along with your income and Florida 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.
Can I get a title loan on a financed car in Florida?
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 Florida will tell you what they can offer.
Can I get a title loan online in Florida?
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 Florida title loan request in about 3 minutes.