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Car Title Loans in Florida - Frequently Asked Questions

  1. 1

    What is a car title loan? How do title loans work? Are they different than a bad credit loan?

    Car title loans and bad credit loans refer to the same loan. Instead of basing the loan on credit, the consumer is borrowing money against the value of the vehicle. It is one of the few loan options available people with bad credit, which is where the name came from. The loan works by the lender holding on to the car title in exchange to giving the borrower cash. The borrower gets to keep driving their vehicle, and receives the title back when they complete payment in the loan. Car title loans in Florida offers customers a way to use the cash value of their car without having to sell it.

  2. 2

    I received my pre-approval, but have not received a phone call yet.

    Within 24 hours you will receive a phone call from one of our knowledgeable customer service representatives to walk you through the loan process. They will verify all of your information, and give you different loan options. You are able set up a payment plan, and be fully approved for the loan you need. If you called during off hours late at night or early in the morning, please be patient. Make sure you have your paper work listed above ready to go, and Florida Car Title Loans will contact you in the morning. We are open seven days a week, so we will help you get your cash any day of the week.

  3. 3

    How do I get my cash once the online application is complete?

    We have hundreds of location throughout Florida. All you have to do is inform one of our agents that represents car title loans in Florida which location would be most convenient for you to use.

  4. 4

    What paper work will I need to complete the Florida Car Title Loans Process?

    The title of the car needs to be in your name with no liens against it, a driver's license from the state, and vehicle insurance. For verification, we will need a Social Security card, a utility/phone bill with name and address, two references, a current paystub, and a copy of your car keys.

  5. 5

    Are you going to be calling my employer and the references I provided?

    We need to call your references and company so that we could verify the accuracy of the information on your application. Florida Title Loans deals with your personal data with the strictest confidence, and we do not divulge the nature of the phone call so that we can protect your privacy. It is vital to us that you feel secure in doing business with us.

  6. 6

    Will I be able to keep driving my vehicle?

    Yes. When you finish making payments, you receive the title back, but you can drive the whole time. Q: If I have bad credit, no credit, or have been through bankruptcy - will my interest rates be affected? A: No. Our interest rates at Florida Car Title Loans are based on you vehicle and industry rates. We will not use your credit at all. There is no financial history check in our loan process.

  7. 7

    How much can I possibly get for car title loans in Florida?

    Our company offers up to $20,000 depending on the value of your vehicle.

  8. 8

    What if I want to pay back my quick money automobile title loan in less than 12 months?

    You can finish paying off the loan as far in advance as you would like. We do not charge any pre-payment penalties, or over-charge you extra interest. When you pay off the loan, there are no fees of paying ahead of time.

  9. 9

    What are your business hours at Florida Title Loans?

    We have multiple locations throughout the state with varying hours, and our customer service department is open days and evenings, seven days a week. You can contact us 24 hours a day as well on our website.

  10. 10

    What forms of payment does Florida Car Title Loans Accept?

    Payment methods we will accept can include a certified check, a money order or debit cards from VISA or MasterCard.