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What Florida law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2] | Allowed | See rules below | Not set by statute | 30 days to 30 days | Title Loan Lender license | Fla. Stat. ch. 537 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
The rules in full
Title loans
- Rate cap
- Florida Title Loan Act (ch. 537) caps interest at 30% per annum on the first $2,000 of principal, 24% per annum on the portion from $2,000 to $3,000, and 18% per annum on the portion exceeding $3,000.
- License
- Title Loan Lender license (Florida OFR, ch. 537 F.S.); one license required per physical office location.
Full detail for every loan type: Florida lending laws.
Help in Florida
Money snapshot for Florida
Other options in Florida
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Florida: allowed under Florida law; see its limits and license rules.
- Installment loans in Florida: allowed under Florida law; see its limits and license rules.
- Payday loans in Florida: allowed under Florida law; see its limits and license rules.
- Personal loans in Florida: allowed under Florida law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Florida.
Title loans in nearby states
- GeorgiaAllowed Cap set in statute
- South CarolinaAllowed No numeric cap
- AlabamaAllowed 300% APR
- MississippiAllowed 300% APR
- North CarolinaNot allowed Not allowed
Sources
- flsenate.gov. Fla. Stat. ch. 537. Retrieved September 23, 2026.
- flofr.gov. Florida Office of Financial Regulation (OFR), Division of Consumer Finance. Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Florida. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Florida. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Florida? Contact the Florida Office of Financial Regulation (OFR), Division of Consumer Finance or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.