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Find the Best Car Title Loans in Tampa, FL

Title loans, which use the borrower’s vehicle as collateral, are a short-term financial solution when money is tight. It’s important to borrow only from one of Florida’s properly licensed lenders offering clear terms. We researched the best title loan companies in Tampa so you can use your car to get access to cash.

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Compare Top Payday and Title Loans

TMG Loan Processing
Overall satisfaction rating
  • Apply online or over the phone
  • Application available seven days a week
  • Available in Tampa
  • Qualified customers can receive funds in as little as one business day.

Apply online today!

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Finova Financial
  • Quick decisions
  • No prepayment penalty or fee
  • Available in Tampa
  • Good credit isn't required

Unlock the cash in your car!

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McKay Bay Financial Title Loans
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • vehicletitleloanstampa.com
Location
3800 N. Nebraska Ave.
Tampa, FL 33603
(813) 816-2300
Ellendale Title Solutions
  • M-F: 6am -11pm
  • Sat: 6am - 6pm
  • Closed Sun
  • ellendaletitleloans.com
Location
Services available in
Tampa, FL
(813) 591-5333
Cantrell Car Title Loans
  • M-F: 6:30am - 11pm
  • Sat: 6:30am - 5:30pm
  • Closed Sun
  • cantrellcartitleloans.com
Location
14885 Swallowtail Ct., Ste. 102
Tampa, FL 33613
(615) 315-0333
Carlson Financial Title Loans
  • M-F: 7am - 10pm
  • Sat: 7am - 6pm
  • Closed Sun
  • carlsontitleloans.com
Location
4212 Coolidge Ave.
Tampa, FL 33614
(813) 575-5100
Wheeler Title Loan Solutions
  • M-F: 6:30am - 10:30pm
  • Sat: 6:30am - 5pm
  • Closed Sun
  • wheelertitlesolutions.com
Location
6806 Mitchell Cir.
Tampa, FL 33634
(813) 517-9494
Cyber Hawk Title Loan Solutions
  • M-F: 6am - 10pm
  • Sat: 6am - 5pm
  • Closed Sun
  • cyberhawktitleloans.com
Location
8418 N. Mulberry St.
Tampa, FL 33604
(813) 359-0909
Applewood Title Cash
  • M-F: 7am - 11pm
  • Sat: 7am - 5pm
  • Closed Sun
  • applewoodtitleloans.com
Location
10906 N. 28th St.
Tampa, FL 33612
(813) 359-0333
Sagebrush Title Cash
  • M-F: 7am - 11pm
  • Sat: 7am - 5pm
  • Closed Sun
  • sagebrushtitleloans.com
Location
7415 S. 51st Ave.
Tampa, FL 33619
(813) 359-1960
Kropp Title Loan Financing
  • M-F: 7am - 10pm
  • Sat: 7am - 5pm
  • Closed Sun
  • kropptitleloans.com
Location
5620 Brooklyn Way
Tampa, FL 33625
(813) 591-5555

How to get a title loan in Tampa

Tampa skyline

Title loans are different from payday loans, which are unsecured and only allow you to get up to $500 in Florida. With a title loan in Tampa, you are able to borrow thousands of dollars by offering your vehicle as collateral. The lender keeps the title as a security guarantee for the term of the loan, 30 days.

Title loans are expensive but not as costly as payday loans. Florida limits the amounts lenders can charge.

Borrowed amount Annualized interest rate
First $2,000 30%
Additional money between $2,000 and $3,000 24%
Any money above $3,000 18%

As an example, if you borrow $1,000 over a 30-day period, at the end of a month you will owe the $1,000 plus $25 in interest. For $2,500 borrowed, after 30 days you would owe $2,500 plus $60.

Depending on the title loan company in Tampa, you may apply online or in person. You don’t need to have good credit. Have these items ready:

  • Government-issued photo ID
  • Clear title to the vehicle
  • Proof of insurance
  • Proof of income
  • Proof of residency

If you qualify for a title loan, the lender will take the title and may ask for a second set of keys. The title is returned to the borrower after the loan is repaid.

Before signing for a title loan in Tampa, carefully read over all terms, which must be disclosed in accordance with the federal Truth in Lending Act. You will see both the finance charge (in a dollar amount) and the annual percentage rate. Check for any other fees.

Recognize that if you are unable to pay back a title loan, you are at risk of losing your car. By agreement, the lender and borrower are allowed to extend the loan for additional 30-day periods.

Title Loans Reviews

Finova Financial

Finova Financial, founded in 2015, offers title loans in a handful of U.S. states, including Florida. This company makes quick lending decisions, provides same-day cash and charges no prepayment penalty. Tampa vehicle owners can apply online or over the phone; good credit is not necessary. Many Florida borrowers give five-star reviews, recommending Finova Financial to others.

Finova Financial Learn More