Car Title Loans in Florida2026 Guide
Car title loans are legal in Florida under the Florida Title Loan Act (FS § 537). Learn tiered interest rate caps, 30-day term rules, mandatory disclosures, and surplus refund rights in 2026.
Legal Status & Regulations
Governing Law
FS §537
Last Reviewed: April 2026
Law Summary
Florida car title loans are strictly regulated under the Florida Title Loan Act (Florida Statutes Chapter 537) by the Office of Financial Regulation (OFR). State law caps maximum annual interest rates at 30% for the first $2,000, 24% for the portion between $2,000 and $3,000, and 18% for amounts exceeding $3,000. Agreements are standardized 30-day contracts. If default occurs, Florida law requires a mandatory 30-day grace period, written repossession notices, and the mandatory return of any auction surplus equity to the borrower.
Real Rate Example in Florida
A $1,500 loan in Florida at a typical market rate of 30% for first $2,000 APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
$25,000
Max APR / Rate
30% for first $2,000
Loan Term Range
30 days
Governing Body
Office of Financial Regulation