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(954) 404-7306

How It Works

When it comes to getting an auto title loan, the process is fast and easy with TitleSmart. Simply fill out the application and provide the required few documents, which are usually utility bills, proof of ownership, and insurance. Next, simply get your car inspected and appraised for its value, and pick up your money! It's that easy, and the best part is that you get to keep driving your car while you pay back the loan!

The TitleSmart Title Loan Process

  1. Contact Us and Get Your Quote

    The first step is to call us at (954) 404-7306 or fill out the form on this page, and one of our specialist will call you shortly. We will ask for all the information we need about your car to provide a quote, including the license plate and VIN number.

  2. Supply the Required Documents

    • Original vehicle title.
    • Government-issued identification matching the name on your car's title.
    • Proof of residence, such as recent utility bill, cable bill, or credit card statement.
    • Proof of vehicle insurance: We will call your insurer to confirm the details of your policy and have our company name added to the policy as the payee in case of loss. We can also help you get insurance if you don't have a policy!
    • Proof of income or ability to repay the loan, such as bank statements or pay check stubs.
    • Personal references.
    • Detailed photographs from all sides of the vehicle.
    • Photos of the VIN plate and the odometer.
  3. Bring Your Vehicle for Inspection

    Our vehicle inspection usually takes a few minutes. This is to confirm what you have told us about your car and make sure there isn't any damage that significantly changes its value.

  4. Sign the Loan Agreement

    Our loan terms depend on each person's needs. We go over the terms of your loan agreement, including the interest rate and payment schedule. We will make sure you understand exactly how much your payments will be and when each payment will be due. We will explain what could result in late charges and how much they would be. When you are sure you understand the loan terms, you will sign the loan agreement.

  5. Get Your Loan Funds

    The next step is to give you the check for your vehicle title loan!

  6. Pay off Your Title Loan

    It's a good idea to review your budget and income and set up a plan to ensure you are able to repay the loan on time and without late fees.

  7. Get Your Title Back from Us

    When you have repaid your car title loan, we will sign your vehicle title over to you. This shows that the lien on the vehicle is released. You can pick up your title or have us mail it to you. You can take your title to the DMV to have our name removed.

At TitleSmart, we understand that financial emergencies can happen at any time, which is why we try to make the process of getting an auto title loan as stress-free as possible. This let's you concentrate on getting the money you need fast, while still allowing you to drive your car to work in order to be able to make your loan payments at the same time. If you have questions about the loan process, be sure to ask for further information at any time.
To Apply Call (954) 404-7306 (or fill out form below)
Enter Code: 71114
*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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