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Loans in Florida

Do you need emergency cash? You’ve come to the right place! InstaLoan offers different options, all designed to help you get the cash you need. Everyone’s situation is different. Use our loan guide below to help you choose which is best for you.

Online Title-Secured Loans

How It Works

You need money now, but you're worried about how long the process is going to take to get a title-secured loan. We get it. When you're in a crunch, time is money. InstaLoan is happy to offer an online application experience. The process is simple.

Step 1 – Fill out a loan application online. Right from your phone, or tablet.  Apply online 24/7. You only need to visit the store if you’re conditionally approved.

Step 2 – Visit an InstaLoan store to have your vehicle appraised. Your application and vehicle appraisal will be considered, and we will let you know how much you may be eligible to borrow.

Step 3 – If approved, your InstaLoan store will work with you, and you’ll sign your documents, complete the process, and receive your funds.

What Do I Need to Apply?

  • Vehicle in driving condition and its title (if your title isn't lien-free, that's ok! We still have options)

  • Proof of auto insurance (No insurance, no problem! We have insurance options.)

  • Valid ID (must be 18 or older to apply)

Apply Now

Read to get started? The application is at your fingertips. Apply directly from your phone.

1st Lien Title-Secured Loans

Up to $3,500

  • Use your car title as collateral.

  • Must have a free & clear title.

  • Get cash & keep your car.

What is a title-secured loan?

A title-secured loan is a loan in which you use your vehicle as a collateral. The approval amount isn’t based solely off of your credit score. Instead, the condition and value of your vehicle plays a big role in how much you may be eligible to borrow. With a 1st lien loan, you can get up to $3,500. In order to get approved for a 1st lien title-secured loan, you must own your vehicle, meaning your title is free and clear and you are not making any payments on it.

Do I need to have a car title to get a loan with InstaLoan?

You only need a car title if you’re getting a 1st lien title-secured loan. If you do not have a vehicle, then a signature loan may work for you.

2nd Lien Title-Secured Loans

Up to $2,000

  • Use your car title as collateral.

  • Still paying on your vehicle? No problem. No clear title needed.

  • Get cash & keep your car

What is a 2nd-lien loan?

A 2nd-lien loan is another type of title-secured loan. The main difference between a 1st-lien and a 2nd-lien loan is whether or not you own the vehicle. If you are still making payment on your car, then you can still apply for a 2nd-lien loan.

Signature Loans

Up to $250

  • No collateral necessary.

  • Apply with a valid government-issued ID, a checking account, and a pay-stub or bank statement.

  • Secure your loan with your signature formalizing a promise to pay.

What is a signature loan?

A signature loan is a personal loan in which you do not have to provide collateral (such as a vehicle title). It’s exactly as it sounds – you use your signature to secure the loan.

What do I need to apply for a signature loan?

You will need a valid government-issued ID (driver’s license, passport, etc.), a checking account, and either a pay-stub or bank statement.

What Loan is Right for Me?

Still have questions? No problem. If you still aren’t sure which loan is right for you, you can always visit a Florida InstaLoan store and we’ll be happy to work with you to determine which loan works best for your personal situation. Learn more about budgeting, saving, monitoring your credit, and protecting yourself from identity theft.

InstaLoan Reviews

See what our customers think! Read for yourself how their experiences have been.

  • Excellent service!! The best title loan company!! I've been to!! Excellent rates!!! I recommend this company to anybody that needs a loan!!👍🏻

    — Artidoro M.

  • Awesome and fast experience! Can’t be more grateful for the staff.

    — Antonia R.

  • It was very satisfying and it was very professional and I love the way that I was treated, like a Family member, Thanks InstaLoan for helping me in my time of need.

    — Doris B.