Welcome to the Sunshine State

Here in Florida, LoanCenter offers an innovative solution to help you get the cash you need. Our Car Title Loans are tailored to secure your loan using your vehicle as collateral. The beauty of our service is that even though your car is used as a guarantee, you can continue using it as long as you maintain regular monthly payments. This method not only provides you with access to cash but also aids in improving your credit bureau score when payments are made on time.

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How do Car Title Loans work in Florida? 

simple. Your credit score is not the sole determinant of your eligibility – this makes our service an excellent option for borrowers who might have a lower credit score. As long as you own a vehicle and can demonstrate proof of income and capability to repay, you have a shot at qualifying for a car title loan.

Here’s how it works:

We analyse your vehicle’s value to calculate the loan you are eligible for.

We use your vehicle as collateral to secure your loan.

You retain the use of your car and could potentially improve your credit score!

What Is a Car Title Loan?

Understanding Car Title Loans

Traditionally, lenders evaluate your credit score, financial history, outstanding debts, and employment background to gauge your creditworthiness. If approved, they lend you money for specific purposes. Car title loans function a little differently. If approved for a car title loan in Florida, you have the autonomy of using the cash as you wish. Here, the value of your vehicle is a crucial factor in determining how much you can borrow, not simply your financial history.

Benefits of a LoanCenter Title Loan

Advantages of a Florida LoanCenter Title Loan:

At LoanCenter, we view the “big picture” of our borrowers, which means we offer loans to individuals with excellent credit and not-so-perfect credit. Here are few reasons why you should consider us:

  • Your vehicle is used as collateral, making qualifying for title loans easier.
  • Our application process is quick and straightforward, with potential for rapid money disbursement.
  • We offer competitive rates for car title loans, often better than our competitors.

Whether life’s challenges have gotten you down, or you simply need some extra cash, Loan Center Florida has got your back! Contact us today and find out how we can assist you. We strive to outdo our competitors by offering the best rates and helping you get the cash you need. Utilize your vehicle and let it work for you.

Our Auto Loan Process

You may be eligible to borrow money against the equity in your car. With a car title loan, you can borrow cash by applying for a title loan. If you accept your loan offer, you will be approved for a title loan. Finding out how much you qualify for is fast, easy, and free! Find out how much you can borrow by submitting your loan application.


Get Pre-Qualified

Fill out the form or call us at (866) 553-3840


See Your Offers

Let one of our LoanCenter Loan Officers show you how much you qualify for.


Submit Docs

Submit all your documents and finalize your loan paperwork


Get Your Cash!

Receive your cash—it’s
really that easy!

Tips for Quick Approval:

If you’re looking to get approved quickly, ensure the documents you submit regarding your vehicle are precise and all the required documents are included in your application. Generally, proof of identification, vehicle title, and evidence of repayment capability are required. Once we receive your information, one of our friendly loan officers will contact you. If you prefer discussing over the phone, call us toll-free at (866) 553-3840. If you’re happy with the loan amount you’re eligible for and wish to proceed with the car title loan application, your loan officer will guide you through the required paperwork. It’s best to reach out to a LoanCenter representative to identify the necessary documents you’ll need to submit. Gather these documents now to expedite your application. This facilitates our team to review and make a credit decision on your car title loan application as swiftly as possible.

Embark on your financial journey with a Florida LoanCenter Title Loan now!

If you want to find the LoanCenter closest to you, try using our Licensed Partner Locations tool today.


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What to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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Florida Loan FAQs

What is a Florida title loan?

A Florida title loan is a short-term loan in which the borrower’s car title is used as collateral. The borrower must be the lien holder (i.e., own the car outright).

How does a Florida title loan work?

To get a Florida title loan, you need to provide your vehicle’s title and some personal information. You’ll need to fully own your car as well. The lender looks at your vehicle’s value and condition to determine the loan amount.

What are the requirements for a Florida title loan?

Requirements for a Florida title loan typically include a clear vehicle title, proof of income, valid ID, and personal references.

Can I get a title loan in Florida without a job?

While income is a consideration, some lenders offer title loans to unemployed applicants if they can prove they are receiving a reliable, regular income from other sources.

How much money can I get from a Florida title loan?

The loan value depends on the value of your vehicle and the lender’s policies, but they can range anywhere from a few hundred dollars to thousands of dollars.

Are Florida title loans legal?

Yes, title loans are legal in Florida but they are regulated by state laws. Lenders must be licensed in Florida to offer title loans.

How fast can I get a Florida title loan?

The loan process can be completed quickly, often within 30 minutes to an hour after application.

Can I get a Florida title loan with bad credit?

Yes, because title loans are backed by your vehicle, many lenders do not require a credit check.

Can I keep driving my car with a Florida title loan?

Yes, in most cases, you can continue to use your car as long as you keep up with your loan repayments.

What happens if I can’t repay my Florida title loan?

If a borrower can’t repay a title loan, the lender has the right to repossess and sell the vehicle to recover the loan amount.

Can I renew my Florida title loan?

Some lenders allow loan renewals, but this can often lead to added fees and increased debt.

Can I pay off my Florida title loan early?

Most lenders allow early repayment, but ensure to check if there are any penalties for doing so.

What are the interest rates on Florida title loans?

8Interest rates vary by lender but are typically high. Florida law caps the interest rate based on the amount borrowed.

How do I find a reputable Florida title loan provider?

Do online research, check out customer reviews, verify the lender is licensed in Florida, and ensure you understand their loan terms before agreeing.

Are there alternatives to Florida title loans?

Alternatives could include payday loans, personal loans, credit card cash advances, and borrowing money from friends or family.

Can I get a Florida title loan online?

Yes, many lenders now offer online applications for title loans.

Can non-residents get a Florida title loan?

Most lenders require you to be a resident of the state in which they operate. You may need to prove your residency when applying.

How many title loans can I have at once in Florida?

Florida law only allows one outstanding title loan per person at a time.

Can I get a loan if my car title has a lien on it?

No, most title lenders require a clear title (one without liens) to approve a loan.

Can I get a title loan on a salvage title in Florida?

Some lenders may offer loans for cars with a salvage title, but it can be more complicated and the loan amount will likely be lower.


What is a car title loan?

A car title loan is a personal loan that is secured by the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay, making your credit score a less important factor. The borrower gets to keep driving the car while the loan is outstanding.

What do I need in order to get approved for a car title loan?

The amount you are approved for will depend on several factors, including:

  • Your Car’s Value
  • State Laws
  • Your Income
  • Type of Vehicle

How much does my car have to be worth?

In general, the car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Can I get a car title loan if someone else’s name is on the title with mine?

Yes. We can offer a loan if more than one name is on the vehicle’s title.

Can I get a car title loan if I cannot find the title to my car?

Yes. We may offer a loan if you have lost or misplaced the vehicle’s title.

Do I get to drive my car while the loan is outstanding?

Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

What is the cost of my credit going to be?

The interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and the terms agreed to. The annual interest rates vary between 34.99% and 157.99%. For a typical loan of $4,000 with an 80% annual percentage rate and a 24-month term, the monthly payment is $338.61, the total scheduled interest is $4,126.87, and the total of payments is $8,126.64. The interest on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see our Missouri Fee Schedule .

Is it possible to have a co-signer on my car title loan?

Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

For more questions and answers, head to our Frequently Asked Questions page.

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