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Frequently Asked Questions

What is a title loan?

A title loan is a type of secured loan in which the borrower uses their vehicle title as collateral. In exchange for a loan, the borrower allows the lender to place a lien on their car title and must temporarily surrender the hard copy of their vehicle title.

I've heard title loan interest rates are too high. Is that true?

Some title lenders charge high interest rates, but our rates are very competitive.

Why should I get a title loan?

Title loans are much quicker and easier to get than other types of loans because they're based on the value of your car. And you can continue to drive your car while you're paying off your loan!

Why should I choose TitleSmart for my title loan?

TitleSmart offers competitive rates and we will make sure you can get the most cash possible. We make the loan process easy. And we're the loan that cares!

How does the title lending process work?

Bring your vehicle and title to TitleSmart and fill out an application. We will do an appraisal of your car. We will then determine the amount of your loan. Once you are approved, you will receive the cash for your loan, and you will be able to continue driving your car. When you have paid your account balance, we will return your title to you.

How long will it take to be approved for my title loan?

You can be approved and receive the cash for your loan in as little as 30 minutes!

How do I get the title for my car?

If you don't have a copy of your vehicle title, you can get one at your local DMV.

Do I need to have a job to be approved for a title loan?

You don't need to be employed to get a title loan, but you must have some source of income, such as unemployment, disability, or a pension.

Do I need to have a bank account to get a title loan?

No! You do not need a bank account to get a title loan.

Can I get a title loan if I am on disability or retired ?

Yes! You are eligible for a title loan as long as you have a source of income, which can include disability or pension.

Can I get a title loan if I have bad credit?

Since the value of your car title is your collateral, you can still get a loan regardless of your credit history.

Can I get a title loan if I have filed for bankruptcy?

Yes, it is still possible to get a loan after bankruptcy.

To Apply Call (954) 404-7306 (or fill out form below)
Enter Code: 64653
*By submitting my information, I authorize TitleSmart and its affiliates to contact me by email, phone or text using the information I provided above for business & marketing purposes, and acknowledge I have read, understand and agree to the terms of our privacy policy and terms and conditions.

TitleSmart INC makes use of the phrase "Auto Title Loans" for the sole purpose of advertising. We provide auto equity loans. TitleSmart INC is licensed under the "Florida Consumer Finance Act" under Florida Statute 516. For this reason, lender's loans are exempt from licensing requirements under the "Florida Title Loan Act." This lender's approval of loan is based on the consumer's ability to repay the loan and the condition of the vehicle being used to acquire the loan.

Fees: $89.00 Lien Fee, $25.00 Application Fee, and a Document Stamp Tax which changes according to the amount of the loan. The fees are built into the life of the loan. APR: Annual interest rate ranges from 18% to 30%, depending upon current market.

Repayment: Our convenient payment options are designed to fit the consumer's ability to repay a loan. Those options currently range from 6 months to 24 months.

The table below represents an example of the overall cost of a loan. If you have questions or need further information, we are always happy to be of assistance. We want you to fully understand the terms and cost of your loan before you get one.

Loan Amount$1,000$6,000
Interest Rate(APR) 30% - $214.7318% -$733.25
Lien Holder
(One Time Fee)
(One Time Fee)
Doc Stamps
(One Time Fee)
Term 12 months 14 months
Monthly Payment$109.40$489.24
Total of Payments$1,312.81$6,849.33
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