Car title loans in Pembroke Pines, FL
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Pembroke Pines, FL.
The median household in Pembroke Pines earns $85,104 a year, 14% above the Florida median of $74,568. About 10% of residents live below the federal poverty line, and 30.4% of households rent their home. 6.6% of Pembroke Pines 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 Pembroke Pines
| 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 Pembroke Pines
Lenders that serve Pembroke Pines 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 Pembroke Pines
What Pembroke Pines borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
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 Pembroke Pines
- 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 Pembroke Pines
13 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 15759 Pines Blvd, Pembroke Pines 33027 |
| Space Coast | 151 Sw 184Th Ave, Pembroke Pines 33029 |
| Publix Employees | 219 N University Dr, Pembroke Pines 33024 |
| Dade County | 179 N Hiatus Rd, Pembroke Pines 33026 |
| Justice | 2030 Sw 145Th Ave, Pembroke Pines 33027 |
| Brightstar | 12405 Taft St, Pembroke Pines 33028 |
| We Florida Financial | 9560 Pines Blvd, Pembroke Pines 33024 |
| Power Financial | 2020 Nw 150Th Ave, Pembroke Pines 33028 |
| Memorial Employees Financial | 703 N Flamingo Rd, Pembroke Pines 33028 |
| Sun | 701 Promenade Dr Ste 105, Pembroke Pines 33026 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Broward County · Payday Loans in Pembroke Pines · Personal Loans in Pembroke Pines
Frequently asked questions
Can I get a title loan in Pembroke Pines, 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 Pembroke Pines?
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.
Can I get a title loan without the title?
You generally need the title, because it's what secures the loan. If your title is lost, you can request a duplicate from the Florida motor vehicle agency, and some lenders can help with that step. If the title isn't in your name, it will need to be transferred first. Once you have it, Pembroke Pines drivers can start a title loan request online in about 3 minutes.
Can I get a title loan on a financed car in Pembroke Pines?
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 refinance my title loan in Pembroke Pines?
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.
What is a title loan in Pembroke Pines?
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. Pembroke Pines drivers can start a title loan request online in about 3 minutes.
How do title loans work in Pembroke Pines, FL?
You share details about your vehicle and income, the lender estimates the car's value, and if you're approved you receive an offer based on a portion of that value. You sign the agreement, the lender records a lien on your title, and you get your funds, often quickly. You keep driving while you repay. Start your request online and see your options in about 3 minutes.
Do I need to visit a store in Pembroke Pines?
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.