Apply for a Title Loan

Are finances feeling a bit tight? Do you find yourself wondering how you are going to pay the bills? Is there a special occasion approaching and you do not have the money to celebrate as you would like? If any of these situations sound familiar, we have solution that could help to ease your financial burden. At Sanford Financial, we offer title loans that are easy to qualify for regardless of your credit situation. By applying for car title loans Melbourne residents do not need to be worried that their lack of credit or bad credit will prevent them from being approved for the loan they need. We approve title loans every day for consumers who have had foreclosures, bankruptcies, or other credit problems. All you need to be approved for a title loan is a lien-free vehicle title in your name. If we are able to verify that you have a regular source of income you can use for repaying your loan, you could be approved and have your funds in as little as 24 hours. We are here to help with your financial burdens.

What you need to apply

To get started applying for a title loan, simply use our simple online application that can be completed at your convenience. We understand that you likely have a lot of responsibilities and not a lot of free time. Therefore, we offer a fast online application that you can complete at any time. There is no need to come into our office in person to begin the application process.

Enter your name, a number where we can reach you and your zip code to start your application. Next, we will need some information about your vehicle. This includes your vehicle make, model, and the number of miles currently on your vehicle. We require this information in order to provide you with a loan estimate. Once you have entered all of the required information, one of our representatives from Sanford Financial will make arrangements to speak with you to finalize your loan details. The entire online application only takes a few minutes to complete. There is no need to complete a burdensome amount of paperwork or supply a lot of documentation in order to apply for a title loan.


About Us

In the process of applying for car title loans Melbourne residents can rest easy knowing that if they are approved, they could have their funds within a day. At Sanford Financial, we are happy to help in any way we can. Our courteous staff is always available to answer any questions you might have. For your convenience, we are located in Melbourne.

We are also happy to offer flexible loan terms and repayment options. Our interest rates are quite competitive for our title loans, which helps to keep payments affordable. If you ever encounter a situation in the future in which you find your payments are no longer affordable, simply get in touch with us and we will try to find a workable solution for you. In addition, you always have the freedom to pay off your loan at any time you wish without any prepayment penalty.

You may also continue driving and using your vehicle just as your normally would as long as your payments are made in a timely manner.

How It Works


Are you considering applying for a title loan but you are curious about how it works? Our staff at Sanford financial would be pleased to explain the process. Title loans work a bit differently than other loans, including traditional bank loans. Among the main differences is that you do not need to put up any collateral or pass a credit check to be approved for a title loan. The only thing you need is a regular source of income and a vehicle title in your name. Your vehicle title will serve as your collateral for your approved loan. When applying for car title loans Melbourne residents will need to meet certain regulations required in the state of Florida. For instance, you must be at least 18 years of age in order to qualify for a title loan. Additionally, the vehicle title must be in your name and not someone else’s name. Also, there cannot be any outstanding loans or liens against the vehicle.


The amount of money you are able to borrow using a title loan will vary based on a number of factors, including the value of your vehicle as well as your income. Keep in mind that you do not need to be employed to have your loan application approved. We only need to know that you have a source of income you can rely on for paying back your loan. This income could from practically any source, including Social Security benefits, disability benefits, unemployment, alimony, child support, or some other source.


You do not need to pass a credit check or even submit to a credit check to be approved for a title loan. We believe that everyone deserves second chances, so even if you have had credit problems previously, they should not prevent you from being approved for a title loan.


At Sanford Financial, we also will not ask any questions about how the money from your loan will be used. When applying for car title loans Melbourne residents can rest assured they will be able to maintain complete privacy and confidentiality. You may use the funds from your loan in whatever manner you wish, whether that is paying bills, making home improvements, repairing your auto, paying for medical care, or anything else you might wish.