Frequently Asked Questions:

To get a title loan, we will need to see a few documents as part of the application process. Unlike a traditional loan, with a title loan, you are using the title to your vehicle as the collateral for the transaction and there is never a credit check performed when you apply for a title loan with Florida Title, so your credit never plays a role in the approval process. The documents needed for your title loan application are:

Proof of Identity – this is something that most applicants already have on them (State issued ID or Driver’s License) so it is probably not something that you will have to collect and gather ahead of time. If you do not have an ID or Driver’s License or it is expired, we are able to accept any photo identification that is issued by the State or Government.

Proof of Vehicle Ownership – to provide proof of ownership of the vehicle, we will need to see your original title. If your title is electronically held (commonly referred to as an e-title) through your state, you can provide your registration for proof of ownership. Since you are using your vehicle for the collateral for your title loan application, your vehicle will need to be free and clear of any liens or obligations.

Proof of Income – at Florida Title, we do have various programs that do not require proof of income in order for you to qualify for a title loan however, we do recommend that if you are able to provide proof of income, you bring this information with you for your application. Providing proof of income will likely increase the amount that we are able to approve your title loan application and increase your borrowing power. For proof of income, we are able to accept paycheck stubs, bank statements, or award letters. We are able to utilize your current year’s SSI social security statement. If you are unable to produce any of these documents, if your employer supplies you with a verification of employment document on company letterhead, we are able to accept this in replace of the other required documents, if needed. The letter from your employer will just need to give pertinent information regarding your employment (position, rate of pay, normal net income, length of employment, frequency of pay, and year to date pay total) in order for us to accept the document. We do need to see at least a net monthly income of at least $1,000 or more a month, otherwise we will process your title loan application as a no income title loan application.

Proof of Residency – for proof of residency, we are able to accept your bank statement or reoccurring utility or service bills. The account must be in your name and the proof provided needs to be the most recent issued bill, issued within the last 30 days. Typically, our applicants will provide one of the following bills for proof of residency: electric, gas, water, sewer, internet, phone, or cable. If your income is documented within your bank statement, your bank statement can be dually used for both your proof of income and proof of residency!

Your Vehicle – we will not keep your vehicle however we do require that you drive your vehicle to one of our branches for a quick an easy 5-minute auto inspection. During the auto inspection, we will be gathering information specific to your vehicle such as the current odometer reading, overall condition and features/options in order to pull the current value for your vehicle for your title loan application.

Have a specific question about what documents you need to apply for your title loan with Florida Title? Call our friendly and helpful staff at (850) 458-2274 to answer any questions you may have! We look forward to assisting you!

At Florida Title, we have two convenient locations that service both Southeast Alabama and Northwest Florida in addition to surrounding areas. You cannot apply and receive a traditional title loan in the State of Florida, so you will need to travel just over the Florida – Alabama state line to one of our offices in either Lillian, Alabama or Seminole, Alabama.

Our Seminole, Alabama location is conveniently located on Highway 90 and Nine Mile Road, just Northwest of the Navy Federal call center.  For easiest travel to our office, take I10 to Exit 5 and take a left at the light.  After this left, you will travel straight on Hwy 90 until you are turning into our office parking lot.   Our office is on the left-hand side of the road, and you will see the red and yellow flags at the entrance of our parking lot.

Our Lillian, Alabama location is conveniently located right on Highway 98, just over the Lillian overpass bridge almost directly across the street from the Circle K gas station. This location is in a white building that sits back off the main road on the left-hand side under a big oak tree. There is a sign located by the road with the company name Florida Title. Feel free to come visit us anytime during business hours if you need a title loan.

Seminole Branch:
32600 Hwy 90
Seminole, Alabama 36574

Lillian Branch:
34488 US Hwy 98, Suite A
Lillian, Alabama 36549

You are only required to travel to one of our branches to open your title loan with Florida Title and after being approved and completing all of the required paperwork for your title loan, you will leave with the money for your title loan with Florida Title! The entire process can be completed in just a few minutes! For the convenience of our customers, we have many payment options for you to payback your title loan from the convenience of your home! If you payback your title loan, we can certify mail your title back to you if you prefer as well!

If you need help deciding which one of our locations is the closest and most convenient location for your title loan application to be processed, just call our staff at (850) 458-2274 or (850) 456-2274 and our friendly title loan specialists can help to assist you with determining which branch is more convenient for you! We look forward to assisting you!

A title loan is a quick and easy way to access a line of credit with Florida Title, using the title to your vehicle as the collateral for your loan. With limited requirements, on your free and clear title, we can provide you with the cash that you need today! We can have you in and out in just minutes. We are open 6 days a week to assist you with flexible hours if needed.

A title loan with Florida Title is considered a pawn, not a loan, as we are governed by the State of Alabama Banking Department. A title pawn is not like a traditional pawn, were you exchange your personal items and leave the personal items with the pawnbroker for the duration of the account. In fact, you keep your car with a title loan from Florida Title! Although the title to your car is the collateral you use to open an account with Florida Title, you can continue using your vehicle as normal throughout the duration of your pawn, provided you are complying with the repayment terms of the agreement. Florida Title will keep your title and secure a lien on the title of your vehicle, just as your traditional auto lender would. When you are ready and pay off your account with us, we will simply release the lien that was secured on your title and get you your title back!

You might be wondering also – ‘how does the payback work?’ – title loans are really easy when it comes to the payback. Although title loans are meant to be short-term, small loans, the borrower is in control of the terms for their account with Florida Title. At Florida Title, you can receive anywhere from $200-$5,000 (or more). The amount that you will be approved for and receive for your title loan will be determined based upon the value of your vehicle and your ability to repay the obligation. The transaction is meant to be a 30-day loan however if you are unable to payback your account in 30-days, you can pay the minimum payment to extend the transaction for an additional 30-day period. You can keep doing this as long as you need, however, like any form of borrowing, the longer that your account is open, the more interest you will end up paying for the transaction.

Have an electronic title? Skip that trip to the DMV to get your physical title! We can complete your title loan application with just your registration if your title is electronically held through Alabama or Florida!

In fact, we are one of the only companies in the area that can still process your loan with it being an electronic title.

The application and approval process are quick and easy! Call our representatives today at (850) 458-2274 and we can answer any additional questions that you may have.

With title loans from Florida Title, the total cost of borrowing is dependent upon a few factors:

  • How much you receive/borrow on your title pawn;
  • The duration of your title pawn;
  • How much you pay each month towards your principal balance.

Like any loan you receive, the quicker you pay the loan back, the more you save in the interest for that loan. Title loans with Florida Title are designed to cater to the customer (that’s you!). You are not required to close the loan out in 30 days and reborrow if needed, like a short-term cash advance or payday loan, with title loans from Florida Title, you have the flexibility to make minimum payments if that is most convenient for you at that time. You are not required to come up with the full amount owed in 30 days. A minimum payment is due every 30 days that is your interest payment, which is dependent on the amount borrowed or the principal balance outstanding on your transaction in the event that you have paid down on your principal balance, you are only charged the finance fee (or interest) on the current outstanding principal balance of your account with Florida Title.

The best and most loved program by our customers is the 30-day interest free promotion that we are able to offer to first time borrowers of Florida Title that meet the underwriting criteria for the promotion. With a 30-day interest free title loan from Florida Title, and unlike the competitors, your 30-day interest free promotion is valid the life of your account! This means that you do not have to repay the amount borrowed in the first 30-days to save 30-days of interest! If you are able to repay the transaction in the first 30-days, you will only pay the amount borrowed, all interest accrued will be waived and your account will be paid in full. However, most customers are not able to repay the full amount borrowed in 30-days so that is why we allow the promotion to be valid the life of the loan. How it works is you pay at least your minimum payment every 30-days and when you are ready and able to pay off the account with Florida Title, we will waive the current, up to 30-days, worth of interest that is owed on your account, and you will only be responsible for the unpaid principal balance!

30 Days Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30 Days Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that has a pawn value of at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Florida Title in order to receive the promotion. Promotion must be requested to a Florida Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

If you have additional questions, we can help! Call now to speak to a Florida Title representative at (850) 458-2274 or get preapproved over the phone or if you prefer, you can submit your information on our website to get an instant email quote for your title loan!

With a title loan, you do not have to payout within the first 30 days, in fact, you can payout your title loan whenever is most convenient for you. If you do not payout within the first 30 days, you are required to make the minimum payment of the interest based on how much you borrowed on or before the 30th day, which will extend the transaction for an additional 30 days. Any money paid over the minimum payment, will be applied to your principal balance and in return reduce the amount of interest that is due for the consecutive (next) 30-day period. If you are able to pay out in the first 30 days that is completely fine, there are no hidden fees for you to pay upon closing out your account with us.

We understand that life happens, and life does not always go according to plans when it comes to finances so that is why Florida Title can help you to acquire the cash you need for any of life emergencies. We make it easy for customers to gain access to the equity that they have in their vehicle, and we make it easy to understand the terms of the title loan and assist our customers with the knowledge and the ability to repay their title loan in a way that is best suited for them and their needs! In fact, only at Florida Title, can you qualify and receive a 30-day Interest Free Title Loan where the 30-day interest free promotion is valid for the life of the loan which means that you do not have to repay the title loan within the first 30 days in order to keep and qualify for the promotion!

To qualify for the 30-day interest free promotion, there are a few requirements that first-time borrowers will need to meet:

  • Have a lien free title to your vehicle that has a pawn value of at least $1,000.
  • Have verified, documented income of at least $1,000 a month after taxes.
  • Provide an acceptable Proof of Residency such as a service bill or bank statement in your name.

30 Days Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30 Days Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that has a pawn value of at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Florida Title in order to receive the promotion. Promotion must be requested to a Florida Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Not sure if you qualify? Have more questions? Call our friendly Florida Title Staff at (850) 458-2274 any representative will be happy to answer any questions you might have.

Yes! Our offices are conveniently located to service both residents from the states of Alabama and Florida! Although we do not service the entire state of Florida, Florida Title is the leading auto title loan service provider for Pensacola, Florida, and the surrounding cities so we absolutely accept your Florida Title for our auto title loans!

Electronic or e-titles from the State of Florida are also accepted at Florida Title! Since 2013, the State of Florida transitioned to hold e-titles primarily only, unless a paper copy of the title is requested by the owner(s) and at Florida Title, we are able to process and approve your title loan if your title is currently electronically held! This allows for e-title holders to skip the trip to the DMV and not pay the additional fee that is required by the state to switch your e-title to a physical title! All you will need to do to provide proof of ownership of your vehicle, if your title is an e-title, please provide our representatives with a copy of your registration instead of your title! It is that easy because we make it easy to help you get the cash that you need today for your car title loan with Florida Title!

Like Florida, Alabama also has e-titles as well and the process is the same regardless of if your title is electronically held through either Alabama or Florida! Skip the hassle of getting your physical title from the DMV and apply for an electronic title loan with Florida Title today using your registration to provide proof of ownership of your vehicle!

If you are unsure if your title is an e-title, we can help you figure that out over the phone! Just call our office at (850) 458-2274 and we can pull the information needed to answer the question for you! We will need you to provide our representatives with either your title number or your vehicle identification number (also known as your VIN). Both of these numbers can be found on your registration, or your VIN is also found on various locations on your vehicle itself!

Still have questions? Feel free to call our friendly Florida Title Representatives to get the answers that you need at (850) 458-2274! We look forward to assisting you!

Title loans with Florida Title are not only easy to get approved but they are also easy to repay and understand how it works! Technically, a title loan is a title pawn, but it is not a traditional pawn that you would have pawning personal items at a local pawn shop – ultimately, the vehicle is the collateral for the title loan however you will keep your vehicle throughout the duration of your title pawn with Florida Title, provided you are at least making your minimum payment on or before your due dates.

When you receive your title loan with Florida Title, you will have 30 days until anything is due to be repaid on the title loan. At the end or any time during the first 30 days, you have 3 options, you can:

  • Pay the loan out in full, and receive your title back;
  • Make the minimum payment, extending the transaction for an additional 30 days;
  • Pay as much as you want over the minimum due, which will go towards your principal balance and reduces your interest for the next 30-day period.

Every customer has the same 3 options! Your payoff and minimum payments will all be based and calculated based upon the amount borrowed or the principal balance of your account with Florida Title so the amounts will vary. Just like any form of borrowing, the more you borrow and the longer that the account remains open, the more interest that you will owe over the life of the loan. With a title loan from Florida Title, the borrower ultimately has the power to determine how much they will repay in total for their title loan!

After you have paid back your title loan with Florida Title, there is no waiting or cooling off period required until you can reapply for a renewal title loan again! In fact, you could qualify for a larger approval amount based upon your payment history with Florida title for additional money with either a renewal or a refinance of your existing title loan!

Still have questions or concerns about title loans? Let us help you! We look forward to assisting you with your title loan needs and questions at Florida Title! Call our friendly representatives at (850) 458-2274 today!

The interest rate for your title loan will vary based upon the amount of time that your account is open and how you payback the title loan to Florida Title. Since a title loan is meant to be a short-term cash advance solution, your interest rate will ultimately vary because the shorter term the title loan is open, the less you will pay for a total cost of borrowing.

The finance fee for a title loan is $25 per every hundred borrowed on your title loan. Every 30-days that your account remains open, you can expect to pay $25 for every $100 unpaid in a finance fee to extend the transaction an additional 30-day period.

Florida Title has an exclusive 30-day interest free program that first time borrowers can possibly qualify for and if you pay off your title loan within the first 30-days, you are essentially receiving a title loan with a 0% interest rate! Our 30 days interest free promotion waives up to 30 days’ worth of interest upon payout, so the promotion is valid for the life of your account with Florida Title, and you do not have to pay out within the first 30-days to take advantage of this promotion. 

30 Days Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30 Days Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that has a pawn value of at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Florida Title in order to receive the promotion. Promotion must be requested to a Florida Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

If you have additional questions, Florida Title can help answer any questions you might still have! Call now to speak to a representative at (850) 458-2274 or get preapproved over the phone or if you prefer, you can submit your information on our website to get an instant email quote for your title loan!

No problem! Although title loans are always meant to be short, 30-day terms, if you find yourself unable to repay your title loan to Florida Title at the end of the 30 days, you have options! With a title loan at Florida Title, you will need to pay at least your minimum payment. Paying your minimum payment will cover the accrued interest on your title loan and extend the transaction for an additional 30-day period. You are not limited to only paying off or paying your minimum payment, you can pay more than your minimum payment which will reduce the principal balance of your title loan and in return, reduce the interest that you will be charged for the consecutive 30-day period! At Florida Title, we always recommend that our customers pay over their minimum payment (every bit helps) when they can. You can keep paying at least your minimum payment to extend the transaction the additional 30 days as long as you need to, just keep in mind that the longer that the account remains open, the more your total cost of borrowing on your title loan will be.

If you are able to payback your title loan in 30 days, you should consider requesting our 30-day interest free promotion, exclusive to Florida Title and for first time borrowers! What is unique about our 30-day interest free promotion is that you can take advantage of the promotion throughout the life of your loan because you do not lose the promotion if you are unable to pay back the title loan in the first 30 days, the promotion is valid throughout the life of your account with Florida Title. A 30-day interest free title loan allows you to payback only the principal balance (original amount borrowed) within first 30 days or you pay at least your minimum payments on or before your scheduled due dates and when you are able to pay off your title loan with Florida Title, we will waive up to 30 days’ worth of interest, allowing you to pay only your unpaid principal balance to close out your account when you are able!

30 Days Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30 Days Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that has a pawn value of at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Florida Title in order to receive the promotion. Promotion must be requested to a Florida Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Call now to speak to a Florida Title representative at (850) 458-2274 or get preapproved over the phone or if you prefer, you can submit your information on our website to get an instant email quote for your title loan!

Yes, Florida Title never requires a credit check and with Florida Title, you are more than a credit score! With a title loan, you are using the equity that you hold in your vehicle to secure the transaction and since the transaction is secured, at Florida Title, the credit check process is just an additional hassle and unnecessary step for both the company and the borrower. Securing the collateral with a title loan, is exactly the same as any traditional finance company will do when you receive auto financing on a vehicle, the lienholder secures a lien against the title of the vehicle until the debt is repaid in full, and then the lien is released, and the title is returned to the owner (unless the title remains electronically held within the state). The difference between auto financing and a title loan on your vehicle is that when you receive a title loan, it is a short-term transaction that allows you to access the existing equity in your vehicle and not purchasing or refinancing a vehicle that has not been paid off. In order to receive a title loan to access the equity in your vehicle, your title must be free and clear, meaning all previous liens must be released and you are no longer making payments on your vehicle.

Because we do not complete a credit check, we ask for proof of income to show your eligibility to pay back the loan. Although we do have programs that customers can qualify for without proof of income, providing proof of income will likely increase the amount that you can qualify for on your title loan with Florida Title.

We will also require proof of residency, which will allow us to verify the residency for your title loan application. The proof of residency document is also used in lieu of a traditional credit check. Sometimes customers worry that because their bills tend to carry a balance, this document will hinder their ability to approved for the title loan but that is not the case with Florida Title! We will review the document provided for proof of residency, however, unless the document provided is past due a substantial, unusual amount or has been disconnected, this will not automatically result in a hindrance to your approval on your title loan application with Florida Title.

No matter whatever reason you need to access the equity that you have in your vehicle, Florida Title is able to help you! Call our friendly and knowledgeable Florida Title representative now at (850) 458-2274 to answer any additional questions that you may have! We look forward to assisting you!

YES! With a title loan at Florida Title, you will get to keep your car, we will only need to keep the title. It is really as simple as that!

Title loans are actually commonly also known as a title pawn, especially in the south. Although a title pawn has similarities to a traditional pawn transaction, the fact of leaving the collateral in the hands of the pawnbroker requires borrowers to leave their title only, not the vehicle itself so despite opening your title pawn with Florida Title, you can continue utilizing your vehicle throughout the life of your title loan! A title loan would not be beneficial to most Americans if it meant that in order to receive funds for your car title, you would have to also discontinue and leave the vehicle with the pawnbroker throughout the duration that the title pawn remains open and unpaid.

Florida Title can help you get the fast cash you need with a title loan today! Call our friendly and helpful staff at (850) 458-2274 and we can get you an over the phone quote or answer any additional questions that you may have regarding how easy it is to get your title loan approved! We look forward to assisting you!

No, you will never need to provide us with a spare key to your vehicle. We are actually one of the only businesses in the area that do not require a spare key in order to get a title loan!

At Florida Title, we realize and understand that obtaining a spare key – especially if you do not already have one or misplaced the spare key – can be very inconvenient and also expensive! We do our best to make it easy to get approved for your title loan with Florida Title and that is why we, as a company strive to ensure that we are different from the rest, and we never require the spare key as a requirement for your title loan approval. In fact, all you need to apply and receive a title loan is as little as 4 documents, some of which most customers have already!

  • Photo ID
  • Title or Registration (registration is accepted only if your vehicle is currently titled electronically)
  • Your Vehicle
  • Proof of Residency (If your bank statement can be provided, this can work for both proof of residency and proof of income – if you are unable to provide your bank statement for both, we will need to see proof of income in addition to proof of residency).

Avoid the hassle of getting a spare key and receive a title loan with Florida Title TODAY! Call our friendly and helpful staff at (850) 458-2274 with any additional questions that you may have! We look forward to assisting you!

Yes! At Florida Title, we accept all personal use vehicles make and models, regardless of the year or the overall condition for title loans! Since the vehicle is the collateral of the title loan, the overall condition of the vehicle, in combination of the applicant’s ability to repay the transaction, will determine the amount of the title loan that the applicant qualifies for. Normal wear and tear will not play a large role in the vehicle’s value and will not be a determining factor in receiving an approval on your title loan application, so your vehicle does not need to be in perfect condition to get a loan.

Once you get into the office, a Florida Title Representative will do a quick auto evaluation to determine the condition of the vehicle, we are not looking for the normal wear and tear of a car and there is no reason to worry about cleaning and detailing your vehicle in preparation for the title loan auto evaluation. When our staff completes an auto evaluation of your vehicle, they are getting general information related to the vehicle such as the features, mileage, overall condition, etc. to input the information specific to your vehicle and produce the current value of your vehicle as part of the process of determining the title loan amount in which you qualify for.

At Florida Title, your vehicle is not expected to be showroom condition to get your title loan application approved! Since your vehicle has to be free and clear of any liens, normal wear and tear is expected! Do not let this stop you from receiving a quick and easy title loan from Florida Title today! Call our friendly staff now to start the process over the phone! (850) 458-2274!

No! We do not have a cutoff for the mileage, so regardless of the current reading on your odometer, Florida Title can get your title loan approved today!

Everybody relies on our vehicles a lot and because of how much we use our vehicles every day, it is very easy to accumulate miles on the odometer of our vehicle and everyone’s mileage accrual is not a one size fits all expectation of how often our vehicles are used for every day and how the odometer will accrue those miles! That’s why when you apply with Florida Title, we understand and do not have a maximum number of miles that your odometer is required to be under to get your auto title loan approved!

If your vehicle has high mileage based upon the age of the vehicle, the high mileage can reduce the value of the vehicle, which is the collateral for your title loan, and will in return, can reduce the amount of the title loan in which our branch will be able to approve your title loan application for. If your vehicle has a low mileage odometer reading, this can also add value to your vehicle and increase the amount of that your title loan can be approved for! We do understand some cars are rebuilt and do not actually reflect the current mileage, but we use the odometer reading on the vehicle to determine the value of the vehicle.

Regardless of the mileage on your vehicle, we have a program to get your title loan application approved! Call our friendly staff at Florida Title today! (850) 458-2274

There are several different options that you can provide to Florida Title to provide proof of residency for your auto title loan application. For your proof of residency, we are generally looking for some type of reoccurring billing from your residential service provider. You can use your electric, trash, water, cellphone, gas, cable, or car insurance bill. If you are unable to produce one of those common bills, you could also provide your current lease/rental agreement or your most recent mortgage statement.  You can also use your most recent bank statement, which will work both as your proof of income and proof of residency as long as it shows your name, address, and proof of income on it.

When you get a title loan with Florida Title, you are not applying for a traditional loan, at Florida Title, a title loan is classified by the State of Alabama as a title pawn. This allows for Florida Title to grant you access to the equity that you have in your vehicle by allowing Florida Title to secure a lien on the vehicle, just as though you were financing the vehicle through a traditional lender. Because Florida Title provides title pawns to customers in Alabama and Florida, using the title as the collateral for the title pawn, we never run your credit to approve your title loan, so your credit will never play a factor. This is another reason that we require more documents for your title loan application to be processed and approved, we are using the information that you provide throughout the application process in lieu of a traditional credit check.

Have questions! Florida Title has the answers! Call our friendly and helpful staff at (850) 458-2274 today!

Providing proof of income for your title loan application with Florida Title might be easier than you think! For your proof of income, you can provide your paycheck stubs for the last 30 days, your most recent bank statement to reflect deposits for your income, your SSI award letter, square app printout, cash app business printout, etc.

If you think your source of income or way to show proof might be unusual, please call us and we can let you quickly if we can assist you, we are flexible with this particular area of approval and can assist you with determining how you can best provide your proof of income with your title loan application and get your application approved with Florida Title.

We also have title loan programs that can get your title loan application approved without any proof of income! We always recommend that if you have a source of income that is at least $1,000 a month after taxes, that you provide the proof of your income as part of the application process. Title loans approved using our no income proof programs will generally be a lower title loan approval amount using the same approval process than the same application with proof of income provided.

Call our friendly staff at Florida Title today to get preapproved by phone! (850) 458-2274

Yes, here at Florida Title we are one of the only companies where you can use a cosigner to get a title loan. A cosigner can be beneficial on your title loan application for a variety of reasons from dual ownership of the vehicle being used for the title pawn, supplemental or additional income, supplemental proof of residence or even dual responsibility for the repayment of the title loan.

Dual Ownership

Did you know that your vehicle can be titled a variety of ways to connect the dual ownership? Depending upon how you and your co-owner’s names are joined on the title can be the determining factor on if both owners are required for the title loan application to be processed. Generally, ownership of the vehicle can be indicated on the title or similar paperwork, such as the registration of your vehicle, and joined by ‘and’, ‘or’, or nothing joining the two names. In the event that the ownership is joined by ‘and’, both owners are required to cosign on the title loan application. In the event that the ownership is joined by ‘or’, either owner can apply for the title loan. If there is nothing joining the two owners, both owners are required to cosign on the title loan application.

Supplemental or Additional Income

Utilizing Florida Title’s cosigner program for supplemental or additional income can assist your title loan application being approved for a larger approval amount then what you may receive approval on without the additional income. In any case, two incomes are always more than just one source of income and as part of our approval process, we factor in the income of the applicant as well as the value of the vehicle to determine the loan amount that your application can be approved for. We do have many programs that allow for our applicants to be approved without proof of income, but the approval amount will be lower than an application that is approved with proof of income.

Supplemental Proof of Residence

If you are unable to provide proof of residency on your title loan application because all of the acceptable proof may be in your roommate or your family member’s name, we can still assist you by allowing the roommate or family member to cosign on your title loan application and provide the proof of residency as part of the application process.

Dual Responsibility

Over the years, at Florida Title, we have seen that it is really common for customers to receive a title loan and share dual responsibility with another party to repay their title loan. We make it easy for customers to apply for a title loan with a cosigner to assist with making it easy for either party to receive account information, submit payments and general service of their account with Florida Title throughout the duration of the account.

Cosigners on title loan applications with Florida Title will always need to provide proof of identity, which almost always on us at all times! To provide proof of identity, we will need see a valid, not expired photo ID such as a State issued ID or Driver’s License, or any photo identification that is issued by the State or Government. Additionally, depending upon the reason for the cosigner, we would also need proof of income or proof of residency.

If you have any additional questions, we will be glad to assist you! Call our friendly staff at (850) 458-2274!

Yes, electronic title loan approvals with Florida Title are not an issue! Florida Title is actually one of the only local title loan companies that can take electronic titles for title loan applications! Other title loan lenders in the area will require you to visit your local DMV and have the title switched from an electronic title to a physical title as part of the application process. Save yourself some time, headache and money and use your Alabama or Florida issued electronic title and apply today with a title loan from Florida Title! You would just need to bring in your current registration instead of your title and the additional required documentation for your title loan application to be processed.

If you are unsure if your title is still electronically held, a Florida Title representative can help you figure that out over the phone! In order for our representatives to check the current status of your title, you will need to be prepared to provide us with your Vehicle Identification Number (commonly referred to as VIN) or your title number and we can look up the information to assist you with preparing the required the documentation needed for your title loan application. Feel free to call our friendly staff at (850) 458-2274!

Yes, your vehicle must be registered and insured to get the title loan. As part of the application process, you will be required to drive your vehicle to one of our conveniently located branches to complete the application and one of our representatives will need to do a quick 5-minute inspection of your vehicle to get the information specific to your vehicle to pull the current value of the vehicle and determine how much you qualify for with your auto title loan application. We are unable to process the title loan application on a vehicle that is not driven to our locations for the inspection and are unable to proceed with vehicles that are hauled or towed to our locations. Because we require for the vehicle to be driven to our locations, and it is a requirement for vehicles operated within the States of Alabama and Florida to be up to date on their registration and insured, that is why it is a requirement that your vehicle be currently registered and insured in order to be approved for your title loan application with Florida Title.

We are here to help make the title loan application process easier then ever! Call our friendly staff at (850) 458-2274 to assist you with any questions you may have! We look forward to assisting you!

At Florida Title, there is no vehicle year cut off for the loan, so regardless of the age of your vehicle, at Florida Title we say yes! We really try to with our customers to get their title loan applications approved and funded. No matter what year of the vehicle if you have the required documents for the title loan application, you will not leave our office without being approved and funded.

With our instant quote short form application found on our website, the year for your vehicle is restricted to allow for vehicles that are 1991 or newer due to the service that we used for the integration to pull the vehicle values based upon the data that you entered but we are still able to provide a title loan to customers that have vehicles that are 1990 or older, so we can still assist you! Just call our friendly staff at (850) 458-2274 if you are looking to get a title loan on a vehicle that is 1990 or newer.

Although at Florida Title, we allow all year, makes and models to apply for a title loan, the age and overall condition of your vehicle will play a factor in the amount of the title loan that you are approved for because with a title loan, the title and vehicle is the collateral with a title loan. If your vehicle is considered a classic car, we have a program for you! We can assist you when you bring your classic car to one of our branches and pull the current value for your classic car to assist with an accurate current value of your vehicle once our representatives are able to determine that your vehicle meets the classic car qualifications!

Want to know how much cash you can get today for your title loan with Florida Title? Simply fill out an application online to receive your instant quote or call one of our friendly representatives at (850) 458-2274! We look forward to assisting you!

At Florida Title, we service customers that reside in both Florida and Alabama and because both of these states require for vehicles to be insured to be operated within the state and part of the title loan process is for you to drive your vehicle to one of our convenient locations for a quick 5-minute vehicle inspection, we do require that the vehicle be lawfully operated and driven to one of our branches.

There are no minimum requirements for the vehicle to be covered with a full coverage insurance policy, your vehicle just has to have the minimum insurance required by the state and there are no hidden costs for you to purchase any extra insurance with our company which is a practice of other lenders. At Florida Title, we are not going to sell you or require you to purchase any additional policies to protect your vehicle or your title loan. Avoid the hidden fees and additional expenses by receiving a title loan from Florida Title today!

We look forward to assisting you at Florida Title! Call our friendly representatives at (850) 458-2274 with any additional questions you may have regarding the quick and easy title loan process that we offer!

With two owners on a title, it might seem complicated trying to figure out what you need to do and who needs to do what in order to get your title loan approved but at Florida Title, we make it easy to assist you with getting a title loan when there is dual ownership of the vehicle! What matters the most is first determining what connects the two owner’s names on your title. There are three commonly used ways to connect the names on the title that will identify what steps you or both owners will need to take in order to apply for a title loan.

Two Names, connected by “and”

If there are two people on your title connected by the word “and”, then both parties would need to come in to do the loan. The “and” connection indicates that in order to process any title work, both parties need to give consent which is why we would require that both owners apply for the title loan application with Florida Title.

Two Names, connected by “or”

If the names are connected by “or”, then either party can come in to do the loan. The “or” connection indicates that in order to process any title work, either party are able to give consent instead of both parties which is why we would require that only one of the owners apply for the title loan application with Florida Title.

Two Names, no conjunction used to connect the owner’s names

If there are two people on your title without a conjunction to connect the owner’s names, then both parties would need to come in to do the loan. In this case, the “and” connection is assumed and indicates that in order to process any title work, both parties need to give consent which is why we would require that both owners apply for the title loan application with Florida Title.

In the event that both owners are required to apply for the title loan, we will not be able to complete your title loan application without both required parties. If you are unable to complete the title loan application with both required parties and the co-owner of your vehicle agrees, you can visit your local DMV to have the co-owner removed from your title and proceed with your title loan application without the required co-owner. Save yourself some time and some money with this process and request that the state leave the title electronically held and we can process your title loan application with your new e-title the same day that the ownership for the vehicle is updated.

The entire title loan approval process is extremely simple. If you have any questions, please call us we will be happy to answer any questions you may have if there are two people on the title or if you have any other questions about a quick and easy title loan from Florida Title. Call our staff today at (850) 458-2274. We look forward to assisting you!

At Florida Title, we are only able to provide title loans on vehicles that are free and clear of any liens so we will not be able to approve your title loan application if you are still financing your vehicle. When you do pay off your existing lien or if you do have a vehicle that is free and clear of previous liens, we would be more than happy to discuss the title loan process with you!

Did you know that it is standard practice for the lien to be signed off on your title and this sign off releases the lien from your previous lienholder? You are not required to take the signed off title that you may have received from your finance company and have the title reissued with the lien removed to apply for a title loan! You just have to have the lien signed off on the title, the original lien release from the previous lienholder, or the free and clear title without any liens recorded to proceed with your title loan application!

We look forward to assisting you today with your questions about getting approved for a title loan with Florida Title! Call our staff today at (850) 458-2274!