How It Works

Getting the cash you need with NW Florida Title Loans is fast and easy.  Approval is instant, the whole process takes less than fifteen minutes.

At NW Florida Title Loans, we have a reputation for providing the most cash at the lowest  rates. The best part about getting a car title loans at NW Florida Title Loans is you keep driving your car, keeping you in control and your options open.

CALL NOW (334) 858-5000


Lending Integrity

Our goal is transparency and fairness. We are a third party, not a lender. When you apply for a title loan with us, you are soliciting a loan from a licensed lender in your area. Because car title loans are secured by your car, truck, or vehicle, most lenders do not require credit checks, so people with poor credit history may still qualify. Loans like this are not intended as long-term solutions. Loan approval is contingent upon the customers ability to repay and the condition of the vehicle. We ask you to (1) borrow only what you need and can repay, (2) pay your loan back as fast as possible, and (3) consider all your options fully before taking out a loan.

Transparency of costs of your loan: We do not charge you any fees for the processing of your loan request. The costs associated with your loan will be disclosed to you by the lender, please see representative loan term examples below.

Lender’s interest rates vary based on, but not limited to, the following variables: vehicle value, repayment ability and other promotional offers. Rates for lenders that we match you with may range from 18% to 30% APR, including the lien fee ($94), application fee ($25) and tax stamp (One time fee of $.35 per $100 of the loan amount). APR and other fees are disclosed in accordance to the Federal Truth in Lending Act. We offer loan terms greater than 60 days. Loan repayment periods range from 6 to 36 months.

If you have really bad credit, we will be unable to match you to a traditional or peer-to-peer lender. In some instances we may be able to suggest to you a lender but you will have to get the specific terms and rates from that lender and the terms and rates might not fall within the example loan terms on our website. If you do obtain a loan, make sure to pay on time and to follow the rules that your lender provides to you – your failure to do so may harm your credit since the information could be given to credit reporting agencies.

Rights of Cancellation and Payoff policies may vary by lender and state. Typically if you change your mind about your loan, you may cancel it at any time prior to depositing the check and you may repay any borrowed amounts at any time without prepayment penalty.

Representative Loan Examples (Changing Terms) One Time Fee Total
Amount Term Rate (APR) No. of
Lien Fee App Fee Tax Stamp
$1,000 1 year 24.00% 12 $106.54 $94.00 $25.00 $7.70 $1405.18
$1,000 2 years 24.00% 24 $59.57 $94.00 $25.00 $7.70 $1556.38
$1,000 3 years 24.00% 36 $44.20 $94.00 $25.00 $7.70 $1717.90
Representative Loan Examples (Changing Rates) One Time Fee Total
Amount Term Rate (APR) Number of Payments Monthly Payment Lien Fee App Fee Tax Stamp
$1,000 1 year 18.00% 12 103.30 $94.00 $25.00 $7.70 $1366.30
$1,000 1 year 24.00% 12 $106.54 $94.00 $25.00 $7.70 $1405.18
$1,000 1 year 30.00% 12 $108.33 $94.00 $25.00 $7.70 $1426.66

Compliance with Laws: All of the lenders in our loan matching network abide by the laws that govern the relevant states or territories in which they operate. These laws include (but are not limited to):

  • Electronic Fund Transfer Act
  • Equal Credit Opportunity Act
  • Fair Credit Reporting Act
  • Fair Debt Collection Practices Act
  • Privacy Requirements in the Gramm-Leach-Bliley Act
  • Truth In Lending Act
  • Telemarketing Sales Rule

Contact us by calling (334) 858-5000. We respond to you promptly so we can answer any question or solve any problems you may have.