THINGS TO KNOW ABOUT ChoiceCash logo ?


Yes, you may apply for a ChoiceCash title loan in Florida, but you might be asking yourself, “How do title loans in Florida work?”

If you need quick funding, you can potentially borrow against the value of your car, truck, or SUV by pledging your vehicle title as collateral for a ChoiceCash title loan serviced by LoanMart.1 If you are eligible for a title loan in Florida, you will still be able to drive your vehicle throughout the duration of your loan as long as you keep up with your title loan payments.

Over 13% of Florida residents are currently living in poverty. Whether you need emergency cash to take care of an unexpected bill or consolidate your existing debt to get back on your feet, a title loan may be an effective resource to take advantage of. Did you know that it is possible to apply for title loans online with no store visit in Florida? If you prefer the convenience of an online application process, simply click here or call 855-422-7402 to apply for a ChoiceCash title loan from the comfort of your home! Eligible borrowers can choose direct deposit to receive their quick funding as soon as the next business day.1


Applying for a ChoiceCash loan in the State of Florida is quick, and easy and in many cases, you are able to obtain a pre-approval decision in minutes after completing your loan application if you meet the lender’s underwriting requirements.1

It is important to understand who the lender is, and who they are regulated by. In some cases, some lenders are not regulated by the state regulator and instead may be regulated by other federal regulatory agencies. While the Florida Office of Financial Regulation may regulate some title loan companies in Florida, installment loans made and originated by a national bank, and state-chartered banks may be regulated by their respective regulator. 

title loans in florida


Are you searching for title loans with instant approval in Florida? If you need emergency cash, you need a loan option that is fast and efficient. Although you may not be able to find instant online title loans in Florida, you can apply for a ChoiceCash title loan online and see if you qualify for instant pre-approval today!1

Click here to fill out a short prequalification form online. The application process for a ChoiceCash title loan was designed to be convenient and streamlined, so qualified individuals who are experiencing financial emergencies can take advantage of it! If you have any questions about applying for car title loans in Florida, just give us a call at 855-422-7402

online title loans in florida


Although title loans are typically much more flexible than unsecured loan options because they are secured by collateral, you must meet these initial title loan requirements in Florida to qualify for a ChoiceCash title loan:1

  • Be 18 or Older
  • Have a Title to a Qualifying Car or Truck in Your Name
  • Be Able to Provide Proof That You Are Capable of Repaying the Title Loan

Upon initial approval, you will be asked to provide the following documents:1

  • A Valid, Government-Issued Photo ID, Such as a Florida Driver’s License
  • Proof of Residence in Florida
  • A Car or Truck Title in Your Name
  • Proof of Income 
  • Recent Photos of Your Vehicle

Additionally, in order to apply for a title loan as a Florida resident, you may need to complete a Florida power of attorney form (“Power of Attorney for a Motor Vehicle, Mobile Home or Vessel”) and an application for Notice of Lien / Reassignment of Lien or Notice to First Lienholder. A ChoiceCash title loan agent will be able to assist you with these forms during the application process. 

In order to borrow against the value of your car through a title loan in Florida, your vehicle’s title must be in your name. If you are the rightful owner of the vehicle, but the car title is not in your name, you can visit the Florida Highway Safety and Motor Vehicles Department (HSMV) and request a title transfer, which usually costs around $75. Your car’s title is one of the most important documents you will need to have on hand during the application process.

If you are like most Floridians, you don’t want to drive to a storefront location to submit the necessary paperwork for a title loan. With ChoiceCash title loans serviced by LoanMart, you can conveniently upload all of your documents online with no hassle! Additionally, if you prefer to email your documents to a title loan agent or send them via text message, you will be able to do so during your application. Online title loans in Florida can be convenient, and the prequalification process can take just a few minutes!1 If you have questions about applying for title loans in Florida, contact a title loan agent at 855-422-7402.1


Do you need emergency cash? If you qualify for a car title loan in Florida, your total loan amount will be primarily based on your car’s equity and your income.1

You will be asked to provide proof that you have the means to repay a title loan, so make sure to have recent pay stubs, bank statements, or another qualifying document on hand during your application.1

If you’d like to obtain an estimate of the amount of equity in your vehicle, you can use ChoiceCash’s online title loan calculator! All you need to do is provide some basic information about yourself and your vehicle in order to receive a vehicle equity estimate and a loan quote with no obligation.1


Are you looking for the simplest way to apply for title loans online with no store visit in Florida? With ChoiceCash title loans serviced by LoanMart, you can apply for a title loan from wherever you have internet access in the state of Florida. Conveniently submit your title loan inquiry online or over the phone today!1

In order to apply for a title loan in Florida without visiting a storefront location, you will be required to complete an online vehicle inspection. Since your loan amount and your eligibility largely depend on the value of your vehicle and your income, the current condition and value of your vehicle must be verified by a title loan agent.1 To complete an online vehicle inspection, you must submit pictures of the following:

  1. The Front, Back, and Sides of Your Vehicle
  2. The Odometer Reading
  3. The Vehicle Identification Number (VIN #)

You can conveniently submit these photos and your documents online during your application! Applying for ChoiceCash title loans with no physical inspection in Florida does not need to be a hassle.1


Yes, it is possible to get online title loans with bad credit in Florida. Since a qualified borrower is required to pledge a car or truck title as collateral for the loan, the application process for a title loan in Florida can be relatively flexible. Individuals who have bad credit can potentially obtain approval for a ChoiceCash title loan serviced by LoanMart!1


In most cases, you will not be able to find title loans with no credit check in Florida. If you are applying for a loan or credit card, most reputable lenders and credit card providers will check your credit during your loan application in order to determine your credit risk. A credit check is a comprehensive process that involves a lender or another financial institution evaluating a prospective borrower’s credit history. During this process, the lender or financial institution will be able to thoroughly review an individual’s financial history and determine their creditworthiness. The creditworthiness of an individual refers to their ability to fulfill their financial obligations. If you have a rocky financial history and a low credit score, it will be difficult to qualify for many different types of loans, including personal loans and mortgage loans.

Although your credit history will be checked during your title loan application, it is not the main focus of it! A title lender will review your credit history, but their primary focus is your ability to repay the loan and the value of your vehicle.1 You may be looking to avoid a credit check because you have a poor credit score, but don’t let that stop you from applying for a title loan! It is possible to qualify for a title loan in Florida even if your credit history isn’t perfect.1 

If you have any questions or concerns about applying for a title loan online in Florida, call 855-422-7402 to speak to a ChoiceCash title loan agent. If you’re ready to apply for a title loan in Florida, click here to submit a short prequalification form online and find out if you are eligible for instant pre-approval!1 Borrowers who qualify for ChoiceCash title loans in Florida can add their funds to a debit card or choose direct deposit to receive their loan proceeds as soon as the next business day.1


Pay for your car title loan at any MoneyGram location in Florida. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:

For the sake of convenience for Florida customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.

Frequently Asked Questions

You can access title loans in Florida online! The application process can be convenient and simple if you meet the initial requirements. Just fill out the pre-approval form online or call 855-422-7402 to speak with a ChoiceCash title loan agent.1

To apply for a car title loan in Florida, you will need a valid, government-issued photo ID, proof of residency, a car title in your name, proof of income, and recent pictures of your vehicle. This paperwork can be uploaded online or sent via text message to a title loan agent.

You do not need perfect credit to qualify for a car title loan in Florida. Although title lenders will still consider your credit history, it is not the focus of the application process. Instead, your car’s equity and your income are primarily used to determine your eligibility.1

Qualified borrowers could receive their money in as little as one business day if they qualify for a ChoiceCash title loan in Florida! The application process can be simple, and there is no store visit required to apply.1

Applying for a title loan in Florida can be quick and convenient. Take a look at the three-step process:

  1. Fill out a short inquiry form online or call 855-422-7402 to get started
  2. Submit the necessary documents via email or text message
  3. Find out if you qualify for a ChoiceCash title loan in Florida!1

Florida - Key Financial and Indebtedness Figures

The below table provides some of the key income, loan, and financial statistics for Florida, which are intended to give you a better understanding of how your financial circumstances compare to other Florida residents. With this information in hand, we hope you gain a better idea of your financial options so you can decide if completing a title loan application is the right decision for you:

Average credit score (VantageScore®) 689
Average FICO® score 707
Average student loan debt $38,459
Average credit card debt $6,460
Average monthly car loan payment $549 (Lease) $553 (Loan)
Share of households that rent 33.8%
Average rent $1,218
Median gross rent $1,301
Median value of owner-occupied housing units $248,700
Median monthly owner costs - with a mortgage $1,618
Median monthly owner costs $540
Number of bank branches 4,190
Median household income $61,777
Per capita income $35,216
Average ChoiceCash title loan amount $4,142

What Locations in Florida Can I Get a ChoiceCash Title Loan in?

ChoiceCash is proud to service residents all over Florida including metro areas . Call 855-422-7402 to discuss your options with a loan expert. If you are looking to pay back your title loan in person, check out the city list below to see where your MoneyGram locations near Title Loans Florida: