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Title Loans in Altamonte Springs, FL


We’ve all been in situations where we get hit with an unexpected financial issue, and it can sometimes be more than an emergency fund or a credit card to cover. One quick, convenient solution to financial troubles is a car title loan in Altamonte Springs. The speed of the application process makes title loans a popular choice for consumers.

We’ve streamlined the application process even further here at Sabal Title Cash. Right here on our website, you can complete an online application for an auto title loan in Altamonte Springs. The application requires only a bit of basic information and takes just seconds to complete. All you need to do is head over to the form and provide the following information about the car that you’ll be using as collateral on your title loan:

  • Year
  • Make
  • Model
  • Approximate Mileage





Then, you'll need to enter the following contact information to complete the form:

  • Your full name
  • Phone number
  • Email address




Once you’ve clicked Submit, we can get you preapproved for your title loan and even calculate a free car title loan estimate, which we determine based on the current market value of your car. You can also expect one of our Sabal Title Cash representatives to follow up with you and answer any of your title loan questions.

Those who haven’t applied for title loans Altamonte Springs before often wonder what documents they’ll need to bring with them. The application process is much simpler than it would be for a bank loan, so all you’ll need is your government-issued ID and your car title. We check your date of birth on your ID to comply with federal regulations, which require that all title loan borrowers be at least 18 years old. We also need to get your car title from you and hang on to it during the term of the loan. You’ll get it back from us once you’ve paid off the loan.

How It Works


One thing that surprises many consumers is how different title loans can be from state to state. That’s because the federal government places very few regulations of its own on title loans, and instead gives states the latitude to set their own restrictions. Florida has quite a few borrower-friendly laws which apply to title loans Altamonte Springs.

A title loan is a loan that uses your car as the collateral to secure it, making it a secured loan. Since there’s collateral attached, secured loans tend to have significantly lower interest rates than unsecured loans. Because the entire loan is reliant on your car’s value, that’s what determines approval and the loan amount. You won’t need to worry about a bad credit score causing any issues for title loans Altamonte Springs because that doesn’t get checked.

Title loan interest rates have no cap in many states, but Florida does limit the amount that lenders can charge in interest. On loans that are 2,000 dollars or less, the max annual percentage yield (APR) is 30 percent. When the loan is between 2,000 and 3,000 dollars, the max APR is 24 percent. Finally, any loan that is more than 3,000 dollars has a max APR of 18 percent. For comparison’s sake, there are many states where title loan APRs reach 300 percent, so Florida ranks among the best of the best for title loan interest rates. The standard repayment period for a title loan, in both Florida and the majority of the United States, is 30 days. Now, if you find yourself unable to pay back your loan on the due date, you can pay only the interest and start a new 30-day term with the same loan principal and another interest charge.

While not making your loan payment is a default, the lender must allow you 30 days after the due date to make your payment. If you catch up on the payment, they can’t repossess your car. They also must notify you in writing about the possibility of repossession before they actually go through with it. If your car is repossessed, the lender then needs to notify you at least 10 days in advance of your car’s sale with the sale information. They also need to include the amount you owe, which you can pay them to get your car back. Another option is going to the sale of your car and buying it back there. If there’s a deficiency balance after the lender sells your car, they can’t bill you for it. If there’s a surplus balance, they must send it to you.

About Us



When you need a car title loan in Altamonte Springs, you definitely don’t want to get stuck traveling to a title loan company that’s far away, especially considering one of the best parts about title loans is their speed. With Sabal Title Cash, travel time isn’t a concern, because we have a great location right here in Altamonte Springs. Whether you’re driving here on the freeway or coming through the city on surface streets, we’re easily accessible, and there’s plenty of convenient parking near our office.

As soon as you come in, one of our helpful Sabal Title Cash representatives can start the title loan process with you. They’ll give you the paperwork that you need to fill out, and once that’s done it will be time for your vehicle inspection. This is a brief process, as we only need to look up your car in a vehicle value guide and then evaluate its condition. Once we set its value, we can determine how much to lend you. Finally, we’ll just need that car title and we can issue your loan. We store your car title in a safe location for your peace of mind. How long does the entire process take here at our office? Customers often get in and out within a half hour.