Yes. Title loans are legal in Florida, and lenders must follow the Florida Title Loan Act, Chapter 537, Florida Statutes.
Title loan rules in Florida at a glance
| Title-loan law | Florida Title Loan Act, Chapter 537, Florida Statutes |
|---|---|
| Rate cap | Tiered: 30% / 24% / 18% |
| Fees the law allows | None — no finance charge, interest or fee beyond what Chapter 537 authorizes (Fla. Stat. § 537.013(1)(i)) |
| Loan term | 30 days |
| Rollovers and renewals | Unlimited 30-day extensions by mutual consent; unpaid interest may not be capitalized (Fla. Stat. § 537.011(3)) |
| Repossession | Allowed after default |
| Time to catch up before repossession | 30 days |
| Owe the balance after the car is sold? | No, the lender cannot collect a remaining balance |
| Lender license | Required (Florida Office of Financial Regulation (OFR)) |
| Statute | Fla. Stat. §§ 537.004, 537.008, 537.011, 537.012, 537.013 |
Source: Fla. Stat. §§ 537.004, 537.008, 537.011, 537.012, 537.013 (read the law). We last checked it against the statute on October 3, 2026. See title loan laws in every state.
Maximum rate on each part of the balance in Florida
| Part of the balance | Maximum rate |
|---|---|
| First $2,000 | 30% |
| $2,001 to $3,000 | 24% |
| Above $3,000 | 18% |
Each rate applies only to that part of what you owe, so a larger loan has a blended rate between them (Fla. Stat. § 537.011).
What a title loan costs in Florida
Under Florida's rate rules, borrowing $1,000 for 30 days costs $25 in interest or fees, so you repay $1,025 (30% APR). Your offer may differ.
| Loan | Term | Interest and fees | Total repaid | APR |
|---|---|---|---|---|
| $1,000 | 30 days | $25 | $1,025 | 30% |
| $3,000 | 30 days | $70 | $3,070 | 28% |
| $5,000 | 30 days | $100 | $5,100 | 24% |
Florida allows no separate fee on top of the interest, beyond what its title-loan law lists. The lender's written disclosure shows the full cost and APR.
What happens if you can't repay
If you fall behind, the lender can repossess your car, but Florida gives you 30 days to catch up on missed payments first. If the car is sold, the lender cannot come after you for any balance the sale did not cover.
If you think you will miss a payment, call the lender before the due date and ask what options it offers.
How to check a lender in Florida
Title lenders in Florida must be licensed (Florida Office of Financial Regulation (OFR)). Search for the lender on the official license lookup before you sign. Lenditup does not check lender licenses for you (see how we verify).
Looking for a loan in Florida?
A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.
Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Florida law.
Title loan questions for Florida
01What is the most a title lender can charge in Florida?
02How long is a title loan in Florida?
03Can I roll over a title loan in Florida?
04What happens if I can't repay a title loan in Florida?
05How do I check that a title lender is licensed in Florida?
06Is Lenditup a title lender in Florida?
Title loan laws in other states
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for. Payday loans follow a different law: see payday loan rules in Florida.