If you need immediate access to funds, you’re at the right place. Rapid Auto Loans provides quick financing using your car title loan. Unlike our competitors, Rapid Auto Loans offers 12-month payment plans, giving you more flexibility when paying back the funds. We’ve been offering South Florida car title loans since 2009. This includes cities like Miami, Fort Lauderdale, West Palm Beach, and Boca Raton. For a non-biased auto loan, Rapid Auto Loans has you covered.

We Don’t Check Your Credit Score

Your car title loan application is not based on your credit score or your bank account. We understand that your financial information is private. For this reason, we don’t need proof of income or expenses. We determine the funds available to you based on the value of your vehicle. We don’t go looking into your employment records or financials.

A Simple Application Process

Our application process is simple. Once you have filled out an online application or over the phone, we determine the amount based on the information you provide. You will then set up an appointment with one of our authorized inspection centers. You’ll find these in most South Florida cities including Miami, Fort Lauderdale, and West Palm Beach. Once you’ve had the appointment, the inspection center will send us the required information. The final step is the verification process which takes about 30 minutes. Once we approve your application, you leave the verification center with a check in hand. You can cash your check the same day at any bank. You can trust us with all South Florida car title loans.

Flexible Insurance Options

The collateral secures your loan. This means that you’ll need prepaid comprehensive and collision insurance. And it will need to be for a minimum of six months from the onset of the loan. You can either send the insurance documents to us or purchase an optional voluntary debt cancellation addendum. Take note that this isn’t insurance, but rather a voluntary option. All preapproval quotes include this amount. This means that if you show your policy with the required criteria, you’ll be able to lower your monthly payment. If you select the waiver, we’ll include it in your monthly payment. Check out our loan docs for more details.

An Easy Payment Plan

Our finance plans are simple and easy. You will make a total of 12 monthly payments on your loan. The good news is that the first payment isn’t due for about 30 days from your loan date. We will never charge you a prepayment penalty. Furthermore, interest is only charged for the time the loan is outstanding. Paying your installments is also simple with three convenient options.

These include:
  • Mailing it to us
  • Paying on our website
  • Pay at an authorized payment center (selected Walmart or 7-11 stores in South Florida) Paying your loan shouldn’t have to be complicated. All payments are secure, and we will never store your banking or card information.

Grace Periods On Late Payments

We offer all of our clients a 10-day grace period on every single payment. Yes, you read right, we give you extra time to make payment. What’s more, is that you won’t be charged a late payment fee during the 10 days. This is our gift to you. If you still can’t pay after the 10-day grace period, we will charge you a late fee. The most important thing to remember is to keep in contact with us. We are real people, and we understand that life can throw us curve balls. You will always speak to a live person when your account is being serviced. Make sure you call us at 954-607-6898 if you know you’re going to be late.

Here’s How You Apply

Simply complete an application or call us at 954-607-6898. We will pre-approve you and set up an appointment at one of our authorized South Florida inspection centers. Keep your title number or VIN available as this helps to speed up the application process. We will tell you what to bring with you for your appointment. This generally includes:
  • Mail item dated within 45 days
  • The vehicle being financed
  • Your title (or registration if applicable)
  • An ID photo of yourself

South Florida Car Title Loans: Get Cash, Quick!

At Rapid Auto Loans, we have South Florida covered when it comes to safe, easy, and reliable title loans. Feel free to contact us anytime with questions. With a simple application process and easy payment plan, there is no need to stress over your car title loan. We can help put cash in your pocket immediately. Give us a call at 954-607-6898 or check out Rapid Auto Loans' Facebook page for more updates and information!

Our South Florida Area Partner Locations

Fort Lauderdale (Wilton Manors) Nations Loans
1000 W. Oakland Park Blvd, Suite B
Wilton Manors, FL 33311
Miami Gardens (Hialeah) - J Mendez and Associates J Mendez & Associates Inc
13205 NW 7th Ave.
Miami, FL 33168
Boynton Beach - JSH Family Group JSH Family Group
12550 S Military Trail Suite #4
Boynton Beach, FL 33436
Miami (Homestead) - Guardian Star Insurance Guardian Star Insurance
250 E. Palm Dr. STE #470
Florida City, FL 33034
Miami South (Palmetto Bay) - Eleta Advocate Ins Eleta Advocate Insurance
9100 S. DADELAND BLVD. #100
MIAMI , FL 33156
West Palm Beach - Samuel W. Irvine Associates Samuel W. Irvine Associates
1920 Palm Beach Lakes Blvd #101
West Palm Beach, FL 33409
Miami (Tamiami Airport) - Hammocks Insurance Hammocks Insurance
14331 SW 120 St #206
Miami, FL 33186
All loans have a repayment period of 12 months and there is no minimum prepayment penalty. Interest Rates are determined and approved by the State of Florida based on the borrowed amount and the maximum APR (which includes interest rate plus fees and other costs for a year) is 30%. You pay interest only for the time your loan is outstanding. Below is a representative example of the total cost of the loan, including all applicable fees:



Government Fee


Credit investigative Fee


Documentary Stamp Tax


Total amount Financed


Original Loan Date




Monthly Payment (x12)