How to Transfer a Car Title Loan in Florida

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If you live in Florida and have a driver’s license, at some point you may need to know how to transfer a car title. The car title, also called the certificate of title, is a government document that legally proves you own the car. Without a car title in your name, you are limited in what you can do with the car.

Keep reading to learn how to transfer a car title in Florida for various situations and how you could use your car title to obtain an affordable title loan serviced by LoanMart.1

How to Transfer a Car Title in Florida with Two Names

If you are currently going through the process of a divorce in Florida, you may need to remove your spouse’s name from the car title. Or perhaps you shared the car with your parents and are now going to have full ownership. No matter the case, you may want to know how to transfer a car title with two or more names in Florida.

On the car title, the names are either joined by the word “and” or “or.” This minor detail is important, as the title transfer process differs based on the exact terminology on the car title.

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If the names are joined by “and” then both parties have equal ownership of the car. To transfer the car title, the individual giving up ownership of the car must sign the back of the car title or all owners must present themselves in person at the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).

If the names are joined by “or,” then either party has individual ownership of the car. However to remove a name, the new sole owner of the car must sign a bill of sale so the car title can be transferred.

How to Transfer a Car Title in Florida if Buying a Car from a Licensed Dealer

When you buy a car from a licensed dealer in Florida, you should receive a temporary paper tag while the tag and title are ordered within 30 days. You may have to pay a processing or handling fee when buying a car from a licensed dealer. This is in addition to the fees paid for the tax, tag, and title transfer.

You may be asked to sign a cash on delivery (COD) form. This means the dealer will pay for the car registration, but that cost will be reimbursed by the buyer when they receive the registration and car title. If the buyer doesn’t pay for the car title and registration, then the dealer is allowed to place a stop on the registration until the due amount is paid.

How to Transfer a Car Title in Florida if Buying a Car from a Private Sale

If you want to buy a used car from a private sale in Florida, you will need to know how to transfer the car title. First, verify that the vehicle identification number (VIN) on the car and the sellers name match the information on the car title.

To complete the private sale of a car in Florida, the seller must complete the section on the front of the car title document. This section is called the Transfer of Title by Seller and once signed, releases ownership of the car.

As the buyer, you must complete the Application for Certificate of Title with/without Registration form. This form, as well as the signed car title, must be taken to a motor vehicle service center to complete the private sale.

How Much Does it Cost to Transfer a Car Title in Florida?

Looking to transfer a car title in Florida? No matter the reason, you will still be required to pay a fee for the title transfer service. If you request a paper copy of your car title, you will be charged a $2.50 service and handling fee on top of the car title fee.

Take a look at the motor vehicle title fees:

  • Transfer of Car Title: $75.25
  • Duplicate Copy of Car Title: $75.25
  • Car Title for New Car: $77.25
  • Car Title for Used Car: $85.25

Where to Transfer a Car Title in Florida?

Ready to visit the Florida Department of Highway Safety and Motor Vehicles (FLHSMV)? There are motor vehicle service center locations in just about every county. Most locations are open Monday through Friday with traditional business hours of 8:30 am to 4:30 pm. But keep in mind that you may be required to make an appointment, so check the comment section of the your FLHSMV county webpage.

How to Use Your Car Title to Get a Title Loan in Florida

If you need some extra funding after you transfer a car title in Florida, you could use that car title to obtain fast and affordable emergency funding!

Title loans serviced by LoanMart are a secured loan option for people that need money now, not a few days from now.1 If approved, you could receive your title loan money in as little as 24 hours!3

If you currently have bad credit, you may know that obtaining a traditional bank loan may not be in the cards for you. Banks base loan qualification on your financial history, so having bad credit may disqualify you. With a title loan, eligibility is mainly based on the equity of your car, so you could still be deemed eligible with bad credit.1

The approval process for a title loan serviced by LoanMart is done almost entirely online and only consists of 3 easy steps, take a look:

Step 1: Click or Call

To start your title loan inquiry in Florida, and potentially get a free estimate, call (855) 422-7412 to speak with an agent or fill out the online title loan questionnaire. You could find out if you are eligible in just 5 minutes.3

Step 2: Upload Your Paperwork Online

If you are deemed eligible, you can conveniently upload your documents online by taking images with your smartphone. You will generally be asked for the following documents and information:

  • Florida car title in your name
  • Proof of income
  • Proof of residence
  • Proof of identification
  • Photos of your car
  • References

Step 3: Get Your Title Loan Money1

A title loan agent will use your documents to verify your information. Once everything checks out, you can be fully approved for emergency funding and get your money!

When you transfer a car title in Florida, you gain ownership of a valuable asset. You may then be able to use that asset to obtain financial support with a title loan serviced by LoanMart!1

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