How Does A Car Title Loan Work?

At Florida Title, we specialize in providing reasonably-priced car title loans to residents of Pensacola and the surrounding areas, and we have two offices conveniently located in Lillian, Alabama, and Seminole, Alabama. Wondering how a Florida Title loan works? Here is a breakdown of the process.

how does a title loan work


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1. Apply for an Email Quote And/Or Come to Our Office

To apply for a title loan at our office, you can get started by requesting an email quote on our website. Just give us some information about your car and the desired loan amount. Alternatively, you can come to the Florida Title Loan Office in Lillian or Seminole, AL in person.

2. Make Sure You Bring the Required Documents

We will need a driver’s license or a similar state-issued ID so that we can verify your identity. Beyond this, we will need you to bring:

– A free and clear car title – Your title must be in your name, and not the name of anyone else. In addition, it must be “free and clear” meaning that you are not repaying a bank or any other lender for your car. You must own it outright, with no liens.

– Proof of residence/income – We require a bank statement, utility bill, phone bill, paycheck stub, or another such document to prove your residence and monthly income.

Make sure you get all of these documents together before you come to our office to ensure that you get approved quickly.

3. Get a Quick 5-Minute Vehicle Inspection

Once you come to our office, we’ll need to do a quick 5-minute inspection of your car to verify its condition, make, model, mileage, and so on. Don’t worry – you keep your keys!

4. Sign for Your Loan and Get Your Funds

Once we’ve determined the Florida Title loan amount you qualify for, we’ll draw up your title loan documents. You’ll sign for your loan. We’ll place a lien on the title and once your loan is repaid, we will remove the lien from your vehicle.

5. Repay Your Loan To Get Your Car Title Back

To get your title back, all you have to do is repay your car title loan. Once it’s been paid in full, we’ll release the lien, and you’ll get your title back. And don’t worry – you can continue to drive your car normally from the moment you get your loan until the moment you finish paying it off!

Come to One of Our Title Loan Offices Now to Get Started!

At Florida Title, we make it easy to get a Florida Title loan if you live in Pensacola or the surrounding area. To get started, just visit our office in Seminole, AL, or Lillian, AL today or call us at (888) 533-4921.


Florida Title is committed to giving its customers the best experience possible.  Car title pawns are secured by the equity in your vehicle. This type of pawn is not intended to be a long-term solution. The max APR for a title pawn is 0%*. Pawn repayment periods can range from 61 to 120 days.

Representative Example: If you choose to pay your pawn within 61 days then the total repayment for a $100 loan is $100.

PAWN AMOUNT (Amount Financed) PAWN TERM (# of Days) PAWN FEE (Finance Charge) CHECK AMOUNT (Total of Payments) APR
$100 61 $0 $100.00 0%
Representative Pawn Examples (Changing Terms) Total
Amount Term Rate (APR) No. of Payments Monthly Payments
$100.00 61 days 0% 2 $50.00 $100.00

 * This offer is only provided to customers whose applications originated via a paid Google advertisement. Your actual rate depends upon loan amount, loan term, credit usage, and history, and will be agreed upon between you and the lender.

Check our Additional Title Products, and discover what other financial options we can offer you!