How Do Title Loans in Riviera Beach, FL Work?

Do you need cash today but can’t get a cash advance? Does a bad credit score prevent you from getting loans from a bank or credit union?

Maybe title loans in West Palm Beach, Florida, are the answer for you!

You can get your money in the same business day, and if your documents are complete, you can get approved as fast as 30 minutes!

Curious? Let’s get started!

What Exactly Are Auto Title Loans?

Auto title loans are the same as car title loans and title pawns and work similarly to payday loans. All of them are short-term loans, usually with a duration of 15 to 30 / 60 days.

These loans boast a hassle-free process and quick cash, making them the perfect solution for cash emergencies.

However, these loans come with high-interest rates and expensive fees, meaning there are additional fees that you have to pay as you secure these loans.

Title loans in Riviera Beach, FL, work this way:

  • You hand over your car title to your lenders in exchange for the money, with the title acting as collateral.
  • When the loan period is up, you return the money you owe (plus the interest and fees), and your lenders will return your car title to you.


Sounds simple right? The best part is that you still get to drive your car during the duration of your loan!


How Do I Get Approved for Auto Title Loans in West Palm Beach?

Let us guide you throughout the process, from when you fill out your application form to getting your cash!

Step 1: Apply Online

Getting title loans in west palm beach, FL is super easy and convenient, and you can complete the WHOLE process online!

The first thing you should do is visit the website of your lender. You’ll see the application form right away.

Please fill it out and expect a representative to call you.

They will ask further questions during the call and assess your application documents and vehicle to determine if you qualify or not.

After that, they will give you their final approval on your application.

You will also be informed of the following:

  • Minimum and maximum loan amounts you can borrow
  • Loan duration and due date
  • Title loan contract terms
  • Their interest rates and extra fees
  • Other additional information


Step 2: Loan Contract

You can sign your contract now that you’re approved and have all the information you need on your car title loan.

Not yet!

You can still negotiate the title loan contract terms, loan amount, and interest rate!

Contracts of car title loans are made individually depending on the borrower, their vehicle, and the status of their credit score.

This means that you can negotiate your way to loan terms that favor you more, lower interest rates, or even higher loan amounts.

All borrowers can negotiate before signing their car title loan contracts, but those with a good credit score have more negotiating power.

After negotiating and coming to an agreement with your car title loan lenders, they will prepare your contract, and you can sign it!

Even if you completed the entire process online, you would still have to meet your car title loans lender in their office or at a convenient location.

This is to assess your car, for you to hand over your car title, to sign your contract in person, and for them to be able to install a GPS on your vehicle.


Step 3: Get Your Money

After signing your contract, You can now get your money!

You can receive it through any of the following ways:

  • Cash
  • Check
  • Direct deposit to your bank account
  • Money transfer
  • Online payment
  • Or any other common money transfer services


And that’s it! All in 1 business day!


What Do I Need to Get Title Loans in Riviera Beach, Florida?

Let’s go through the requirements you will need to get car title loans in West Palm Beach, FL:

Required Documents

These are the basic things most title loan companies in Riviera Beach, FL, will ask for.

Government Issued ID

Any valid government ID will do, but submit one with your picture. This is to assure your title loan lender of your identity.

You also need to make sure that your name as it appears here is the same as it appears on your car title.

Proof of Residence

Title loan companies in West Palm Beach, FL, only accept applications from Florida residents. So to prove your residency in Florida, you can submit any of the following:

  • Contract of Lease
  • Utility Bills
  • Phone Bills
  • Mortgage Agreement
  • Or any other document that proves you are a West Palm Beach, Florida resident

Proof of Income

This proves that you can repay your title loan when it is due.

This can come in many forms, including:

  • Payslip
  • Proof of business income
  • Proof of social services benefits
  • Proof of retirement benefits
  • Title of your property
  • Bank statement
  • Or any other document that proves you can afford to repay the title loan


If you’re not sure whether a particular document will be accepted for this requirement, you can always ask your lender to make sure.

Character References

Depending on your title loans lender, you will need 1 to 4 character references. This further assures them of your identity, character, and ability to repay the title loan.

You will also need to provide the lender’s contact information in submitting this requirement. So it’s best to get their phone number, address, and email already prepared.

This is for you to pay in a more convenient and secure process!


Vehicle Requirements

Now that we’re done with the basics, let’s look at what vehicle papers you will need:

Clear Vehicle Title

Of course, the most important document is your title! You will need to submit the original title, not just a copy.

The title needs to be CLEAN and LIEN-FREE and solely under your name. It has to be fully paid and not under any other loan as collateral.

Photos of Your Vehicle

You will also need to submit 4 pictures of your vehicle: the front, back, and the 2 sides.

A Copy of Your Keys

If you already have a duplicate at home, you can bring it when you meet your title loan lender.

If you don’t, your lender will be happy to assist you!

Car Insurance

If your car is already insured, get your car insurance documents. If not, your title loans lender can get it insured for you in no time.

Car Registration Papers

Like the insurance papers, grab them if you are up to date with your car’s registration. If not, your lenders can also fix this for you.


Tips for Getting Auto Title Loans in West Palm Beach, Florida

Car title loans can be intimidating.

A short-term loan like this is considered high risk because of its high-interest rate, expensive finance charges, and the risk of losing your car.

But there are ways to take out title loans in West Palm Beach, FL, while lessening the risks. Here are a few:

Scrutinize Your Title Loan Contract

Before you sign, make sure to:

  • Read the FINE PRINT
  • Check for HIDDEN FEES
  • REREAD your contract to ensure that you DID NOT miss anything before agreeing
  • And ASK QUESTIONS if anything is unclear or confusing.


Scour West Palm Beach, FL, for the Best Lender

Not all title loans in west palm beach are equal.

In comparing lenders, choose the loan in Riviera Beach with the most competitive rates, the best ratings from past borrowers, and the most favorable terms for making payments.

Even if at least 1 borrower review is bothering you, it might be best to follow your gut and move on to the next reputable lender.

Many loan companies in Riviera Beach, Florida, and most lenders are reliable and trustworthy.


Make Early Payments

There is a set a date for when your loan in Riviera Beach should be paid, but that doesn’t mean you need to wait it out if you already have money.

If you get extra cash on your hands, it’s best to use it to pay off your title loans. This way, you have some peace of mind knowing that your collateral will not be repossessed.


Frequently Asked Questions (FAQs)

More questions? We’ve got you!

Do Lenders in West Palm Beach Perform a Credit Check?

Some do.

However, bad credit history does not automatically mean you can’t qualify.

Those with a bad credit score CAN STILL BORROW, but they usually have lesser negotiating power, higher interest, and get offered a lower loan amount.

Are Title Loans Legal in West Palm Beach?


Loan companies are governed by Florida title loan laws and regulated as well.

How Much Money Can I Borrow?

It depends on the current market value of your car. This is determined by your car:

  • Make
  • Model
  • Year
  • Mileage
  • Overall condition

You can get offered anywhere from 25% to 50% of your car’s value.



Ready to get your much-needed cash? Gather your documents and contact your lender TODAY!