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Florida 2017-11-18T03:40:53+00:00

Title Loans Florida

Use Your Car Title for Quick Cash in Florida

The fine residents of the great Sunshine State will tell you that it’s a paradise of a place to live. Ranked the 22nd largest in the United States, Florida has a fantastic geography, most of which has beautiful beaches along the Atlantic and Gulf of Mexico oceans. If you sun up the area, it’s about 65,000 square miles of amazing landscape. The draw of Florida is no secret though because it has people flocking to live there. It’s ranked the 3rd most populous state in the US with a population of almost 22 million. The sun-soaked Miami is the most populous metropolitan area in Orlando, Tampa, and Jacksonville not too far behind. With the picturesque beaches and thriving, diverse communities, it’s not hard to see why so many people call Florida home.

Girl driving away after getting a title loan in Florida.Though you’d think it’d always be beach and vacations in FL, its residents are also quite productive. The state’s GDP is a whopping $926 billion! It’s actually the fourth largest economy in the United States. Even though financial services, manufacturing, and construction have large employers in the state, sometimes even the best of people fall on hard times. Just ask the famed conquistador Juan Ponce de Leon when he settled La Florida “land of flowers” for the Europeans in 1513, the road is often long, and sometimes there are bumps along the way.

Though Florida has a massive economy, it’s median per capita income is only $35,563 and unemployment is at 11.5%. Floridians also carry a lot of credit card debt with 4 of its cities in the top 25 for the most credit card debt. If you’ve hit a bump in the road and you need help dealing with an unexpected expense, we’re here to help with a car title loan in Florida.

In & Out Title Loans is a referral service that works with a premier network of lenders offering completely online car title loans in Florida. We’re different than traditional lenders in that you don’t need to go to your local store, fill out a ton of paperwork, and have your car appraised. We offer a fast and streamlined process online. We also work to find you the best interest rates for your title-secured loan. We offer our customers quite a few advantages, but here are a few you should consider:

  1. We have a network of lenders with the best reviews giving us the ability to find the right one for your loan.
  2. We’re always just a call away! We have a team of experts always willing to answer your questions and help you feel comfortable with the process.
  3. In most cases, we have title pawn lenders that offer completely online title loans. This will save time and money.
  4. We’re open 7-days a week! This is extremely uncommon in the title loan industry.
  5. Our services are FREE! The lender you work with pay us a small advertising referral fee, and it doesn’t impact your terms at all.

How Title Loans Work

In & Out has also created the authoritative guide for title loans and the process that we offer our customers for free. Just click on the link above.

FL Title Loan Near Me

Since In & Out operates completely online, we aren’t tied to any particular lender or location in Florida. We can service the entire state from Miami to Pensacola. If you decide to work with us for your auto equity loan, all you have to do is fill out the form on this page or give one of our trained associates a call at 1-844-567-6042. We’ll make the process easy! If you wonder if we have experience in your area, here are all the FL cities we service:

Alachua
Altamonte Springs
Anna Maria
Apalachicola
Apopka
Atlantic Beach
Auburndale
Aventura
Avon Park
Bal Harbour
Bartow
Bay Harbor Islands
Boca Raton
Bonita Springs
Boynton Beach
Bradenton
Brooksville
Cape Canaveral
Cape Coral
Casselberry
Celebration
Chipley
Cinco Bayou
Clearwater
Clewiston
Cocoa
Cocoa Beach
Coconut Creek
Coral Gables
Coral Springs
Crystal River
Dania Beach
Davie
Daytona Beach
Deerfield Beach
DeFuniak Springs
DeLand
Delray Beach
Deltona
Destin
Dunedin
Eagle Lake
Edgewater
Edgewood
Eustis
Fort Lauderdale
Fort Meade
Fort Myers
Fort Myers Beach
Fort Pierce
Fort Walton Beach
Fruitland Park
Gainesville
Greenacres
Green Cove Springs
Gulf Breeze
Gulfport
Haines City
Hallandale Beach
Hawthorne
Hialeah
Hialeah Gardens
Highland Beach
Hollywood
Holly Hill
Holmes Beach
Homestead
Hypoluxo
Indialantic
Jacksonville
Juno Beach
Jupiter
Key Biscayne
Key West
Kissimmee
LaBelle
Lady Lake
Lake Alfred
Lakeland
Lake Mary
Lake Park
Lake Wales
Lake Worth
Lantana
Largo
Lauderdale By The Sea
Lauderhill
Leesburg
Lighthouse Point
Longboat Key
Longwood
Maitland
Marco Island
Margate
Melbourne
Melbourne Beach
Miami
Miami Beach
Milton
Minneola
Miramar
Mount Dora
Naples
Neptune Beach
New Port Richey
New Smyrna Beach
Niceville
North Miami
North Miami Beach
North Port
Oakland Park
Ocala
Ocean Ridge
Ocoee
Okeechobee
Oldsmar
Orange Park
Orlando
Ormond Beach
Oviedo
Palatka
Palm Bay
Palm Beach
Palm Beach Gardens
Palm Coast
Palmetto
Panama City
Panama City Beach
Pembroke Pines
Pensacola
Pinecrest
Pinellas Park
Plant City
Plantation
Pompano Beach
Ponce Inlet
Port Orange
Port St. Lucie
Punta Gorda
Rockledge
Royal Palm Beach
St. Augustine
St. Augustine Beach
St. Cloud
St. Pete Beach
St. Petersburg
Safety Harbor
Sanford
Sanibel
Sarasota
Satellite Beach
Seaside
Sebastian
Sewall’s Point
Shalimar
Stuart
Surfside
Tallahassee
Tamarac
Tampa
Tarpon Springs
Tavares
Temple Terrace
Titusville
Treasure Island
Valparaiso
Venice
Vero Beach
Wellington
West Melbourne
West Palm Beach
Weston
Wilton Manors
Winter Garden
Winter Haven
Winter Park
Winter Springs

How Do Title Loans Work in Florida

The Florida Office of Financial Regulation sets the title loan laws in FL. The Florida Title Loan Act has most of the regulations and guidelines for FL title pawn lenders. The FL Attorney General is vigorous in enforcing these regulations and has consumer protection information on their website.

Though there are many guidelines and regulations lenders must follow in FL, here are the top that you should be aware of:

  1. Lenders must be licensed by the Office of Financial Regulation act as a title loan lender.
  2. Lenders may charge a maximum interest rate of 30 percent APR for the first $2,000 of the principal amount, 24 percent APR on that part of the principal amount exceeding $2,000 and not exceeding $3,000, and 18 percent APR on that part of the principal amount exceeding 3,000.
  3. The maturity date of the title loan agreement, which shall be 30 days after the date the title loan agreement, is executed by the title loan lender and the borrower.
  4. A title loan agreement can be extended for one or more 30-day periods by mutual consent of the title loan borrower and lender. Each extension of a title loan agreement shall be signed in a separate extension agreement each of which shall comply with the requirements for executing a title loan agreement as provided in the Florida Title Loan Act. The interest rate charged in any title loan extension agreement shall not exceed the interest rate charged in the related title loan agreement. A lender may not capitalize on any title loan extension agreement any unpaid interest due on the related title loan agreement or any subsequent extensions to that title loan agreement.

Florida does impose caps on interest rates, but it’s very important to shop around and get the best rates and terms of your loan. To show what typical title loan terms look like, we’ve provided the table below. Please note that this is just an example and your terms may vary.

Loan Proceeds Title Fee (amt. varies by state) Finance Charge Payment Schedule+ 36 payments of: Total of Payments Annual Percentage Rate (APR)
$4,000 $20.00 $2,607.90 $184.11 $6,627.96 35.99%

Florida is a vibrant state full of beauty and prosperity. You shouldn’t let yourself be burdened with unexpected expenses when they come up; there’s too much fun to have in FL! Whether you live in the cultural melting pot of Miami or the theme park of the world in Orlando, we have you covered! Give one of our experts a call today at 1-844-567-6042 or fill out the form today to get started!