Car title loans in Boca Raton, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Boca Raton, FL.
The median household in Boca Raton earns $106,273 a year, 43% above the Florida median of $74,568. About 10% of residents live below the federal poverty line, and 34.3% of households rent their home. 5.3% of Boca Raton households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
Florida law that applies in Boca Raton
| Rate 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. |
|---|---|
| Repossession rules | 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. |
Full rules with statute citations: Title Loans in Florida. Cities in Florida 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 Boca Raton
Lenders that serve Boca Raton typically ask for the following:
- 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 Boca Raton
What Boca Raton borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a title loan in Boca Raton
- 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 Boca Raton
6 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Baptist Health South Florida | 800 Meadows Rd, Boca Raton 33486 |
| Space Coast | 20437 State Road 7, Boca Raton 33498 |
| Dort Financial | 5255 N Federal Hwy, Boca Raton 33487 |
| Ithink Financial | 790 Park Of Commerce Blvd, Boca Raton 33487 |
| South Atlantic | 1 W Camino Real Ste 110, Boca Raton 33432 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Palm Beach County · Payday Loans in Boca Raton · Personal Loans in Boca Raton
Frequently asked questions
Can I get a title loan in Boca Raton, FL?
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. 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 Boca Raton?
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.
How do I get a title loan in Boca Raton?
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 refinance my title loan in Boca Raton?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Florida rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
Can I get a title loan on a financed car in Boca Raton?
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.
What is a title loan in Boca Raton?
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. Boca Raton drivers can start a title loan request online in about 3 minutes.
Can I get a title loan online in Boca Raton?
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 Boca Raton title loan request in about 3 minutes.
Do I need to visit a store in Boca Raton?
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.