How To Apply for Title Loans in Fort Lauderdale, Florida

Title loans Fort Lauderdale are making a huge difference in the lives of vehicle owners who need some help with their finances. There are so many different situations in which having a title loan could make a significant difference for you.

Are you getting behind on your bills and facing expensive late fees?
Do you want to avoid paying high interest rates for a payday loan?
Is your credit score too low for you to qualify for a loan from a bank?
Do you not have any personal references to list on a loan application or are not able to find a cosigner for your loan?

In any of these scenarios, title loans Fort Lauderdale can be a lifesaver for you. The requirements for qualifying for a title loan are very straightforward.

Applications Requirements

  • You must be the owner of your car.
  • No one else can be listed as an owner on the title to your vehicle.
  • You must be at least 18 years old.
  • There can be no other liens on your title.
  • You cannot have a car loan or currently be financing your car.

If you can answer yes to all of these requirements, then you are well-suited for title loans Fort Lauderdale today. You will be asked to bring a copy of the official car title when you sign for your title loan and will use this to get cash immediately.

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Application Process

For the online application for title loans Fort Lauderdale, there are only two simple steps to complete the entire form.

  1. Step One: Fill in your name, phone number and home address.
  2. Step Two: Provide the year, make, model and current mileage of your car.

After you send in the online form, you will hear directly from one of our representatives about your borrowing status. We will provide a free estimate once we determine the initial value of your car based on the details you provide and its current condition. You can expect to borrow more from a title loan if your car or truck is worth more. You can even use a title to your motorcycle to qualify for a title loan as long as it is assessed at a high enough value.

Remember that the title loan estimate is always free from Shearwater Lending. You get all of the information you need upfront to help you decide on a title loan.

About Title Loans from Shearwater Lending in Fort Lauderdale, Florida

Shearwater Lending is one of the top providers of title loans because we go above and beyond to make sure that our customers are taken care of throughout the entire process. We work quickly to get you the cash you need without making you answer pointless questions or fill out a lengthy application.

For signing your title loan agreement and receiving the cash for your title loan, we have a convenient location in Fort Lauderdale, Florida. If you have any questions about a title loan, we are also available to answer them over the phone. Feel free to reach out to us so that you have all the information you need to apply for a car title loan right away.

How Title Loans Work in Florida

In Florida, title loans are a very popular way to use your vehicle title as collateral for a convenient personal loan. Title loans tend to be shorter term loans because they are intended to help you get through a short time period where you need some extra financial assistance.

There is no reason that you should have to worry about giving up your car when you take out a title loan in Florida. Instead, you show the lender the title to your vehicle. Your title is a legal document that indicates the ownership of your car. The lender simply keeps the title as you pay back the loan. However, the lender never takes your car as long as you are keeping up with the title loan payments. This means that you stay on the road as usual while you pay back the loan.

With Shearwater Lending in Fort Lauderdale, Florida, making your scheduled title loan payments is easier than ever. This is because we help you set up a payment plan that works for you. We understand that our customers are in a tough financial spot, which is why we go out of our way to make flexible payment terms available. On top of that, you never get hit with a penalty or fee for paying off your title loan early. This is no problem at all. You can pay off your title loan as early as you want and get the title to your vehicle back even sooner.

In Florida, there are caps on the interest rate that you pay for a title loan. The interest rate caps are based on the principal amount of the title loan.

  • For loans up to $2,000, the interest rate is capped at 30 percent per year.
  • For loans between $2,000 and $3,000, the interest rate is capped at 24 percent per year.
  • For loans of more than $3,000, the interest rate is capped at 18 percent per year.

One thing you can be sure about with Shearwater Lending is that you are getting a great interest rate as compared to other lenders in the industry. We want to make title loans as easy and affordable as possible for our customers.

Any specific information about your title loan will be provided to you in the written title loan agreement, including the payment schedule and interest rate.