Car Title Loans: Rapid Auto vs. The Competitors

Nov 18, 2021
Title Loans

Car title loans offer quick cash to someone facing financial hardships and needing emergency money. These loans use the value of your vehicle as collateral for the loan.


Ultimately, car title loans can help keep our customers out of foreclosure, from utility shutoffs, and even out of collections. At Rapid Auto, our goal is to help our customers get the cash they need to stay current on their bills.



What's The Difference Between Rapid Auto and Our Competition? 


The main difference between Rapid Auto and its competition is the repayment period.


While most places allow only a 30-day payment plan, we allow our customers to pay back their car title loan over 12 months and at a competitive interest rate. We also never look at your income or credit score to determine whether you're eligible for this loan. The amount of money you can borrow with car title loans depends on the state laws where you live and the value of your car.


What's The Difference Between Car Title Loans and Payday Loans? 


When you're determining the best loan for your financial hardship, consider the differences between these two loan types:


Payday Loans


Payday loans are short-term loans that are repaid in just a few weeks. The interest rates associated with payday loans can be very high.


Title Loans


Car title loans typically don't require a credit check. Best of all, the interest rate associated with them isn't affected by income or your credit history. This is great for those experiencing hard financial times and is working on repairing their credit score.


What Are Some Benefits of Choosing Car Title Loans? 


At Rapid Auto Loans, we don't require income verification for our loans. This is great for someone unemployed who needs cash fast to stay afloat.


Self-employed individuals can also benefit from these loans as typically it is harder for them to obtain title loans, especially when they need one fast.


Finally, our staff works hard to approve these loans quickly for amounts starting at $100. Car title loans use your vehicle's value as collateral for the loan. Best of all, you can still drive your vehicle during repayment.


What Do I Need to Apply for Title Loans? 


All that is needed to fill out a title loan application, whether in person or online, is your driver's license. We will conduct a title search to make sure that there is no existing lien on your vehicle. We also require you to show us proof of insurance. If you own your vehicle with someone else, they must be present to sign off on your car title loan.


Approval time takes as little as just one half-hour. Your first payment will be due within 30 days after your loan is approved at Rapid Auto.


Apply for Car Title Loans Today


When you're looking for a fast and easy way to obtain emergency cash, consider applying for car title loans online at Rapid Auto. Our loans don't require income verification or even a credit card. Bring your vehicle title, proof of insurance, and your driver's license to one of our offices throughout Florida to begin the approval process.


Note: You can expedite the process by completing your title loan application online before visiting us. To get started, visit the Rapid Auto Loan website to begin the title loan application process.




car title loan

If you’re in need of some quick cash, you might be considering getting a car title loan or pawning your car. Learn more about the different ways of getting a car title loan, what to do if you can’t pay off your car title loan, and how pawning your car works.

What's The Difference Between A Title Loan and A Payday Loan?

If you need cash, but don’t qualify for a traditional loan, then a title loan or payday loan might be the best answer. A car title loan lends money against the value of your vehicle and a payday loan is more like a credit card with really high interest rates. Read on to find out what sets these two loans apart from one another and if they are right for you.

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Rapid Auto Loans is a consumer finance company licensed under Florida 516. The term title loan is used for marketing purposes only.
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)

Rapid Auto uses “Auto Title Loans” for advertisement purposes only and provides auto equity loans. The lenders are licensed under the “Florida Consumer Finance Act” under Florida Statute 516 and as such lenders loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of lenders activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.