See How Much You Can Get For Your Car

What we do

Do you have past-due bills or an important expense that you need to pay right away? Plenty of consumers in similar situations have turned to car title loans Orlando to get cash in their pocket. Title loans are one of the fastest and most convenient loan options on the market, and at Carson & Cowen Title Loans, we’ve made the process even easier with an online title loan application that you can complete in seconds.

All you need to do is head over to the online car title loans Orlando application form and enter the following information about your vehicle:

  • Year
  • Make
  • Model
  • Approximate Mileage

If you don’t know much about car title loans Orlando, you may be wondering what type of documentation we’ll need to see to issue your loan. That’s easy – just bring in your government-issued ID and your car title, which you probably already have on you every time you go out for a drive. The ID is just so we can check that you’re at least 18 years of age or older, as that’s the minimum age to obtain a title loan. Before we can issue you the loan, we’ll need to get your car title from you and hang on to it through the term of the loan. You’ll get it back from us immediately after you repay the balance of your loan.

If you’re looking for fast cash, we’re sure that you don’t want to drive 30 minutes or 1 hour away to the middle of nowhere. You don’t have to with Carson & Cowen Title Loans, as we’re set up at a convenient location right here in Orlando. Our store is easy to access from both surface streets and the freeway. There’s also plenty of parking nearby, so you won’t need to walk far.

When you come in, one of our helpful car title loan representatives will be able to assist you. Make sure that you let your loan representative know if you completed the online application and received preapproval for a car title loan. The representative will ask you to fill out some quick paperwork, and then you’ll go outside for your car inspection. The inspection is a fairly quick process, as we really just need to make sure that there aren’t any issues that could detract from the value of your car. Once we’ve done the inspection, we just need to get your car title and we can issue the loan. The entire application process may not even take an hour, and you’ll be walking out the door with cash in your pocket.

How It Works

Car title loans Orlando are easy enough to understand, as they’re secured loans that use your car as collateral. Since your car is the collateral, its value also determines how much we can lend you. You still get to keep and use your car during the repayment period of your title loan, so you won’t need to look up bus routes or ask people to give you rides around town.

The federal government gives each individual state quite a bit of leeway in setting its own title loan regulations. Here as Carson & Cowen Title Loans, we abide by all the regulations for car title loans Orlando that are set by the state of Florida. Fortunately, these regulations tend to be very borrower-friendly. Title loan interest rates are one area where Florida is truly exceptional. The state sets the maximum APR a title loan lender can charge, and the amount is based on the amount of the title loan. For loans that are $2,000 or less, the maximum APR is 30 percent. Loans between $2,000 and $3,000 can have a maximum APR of 24 percent, and loans that are over $3,000 can have a maximum APR of 18 percent. These title loan interest rates are far lower than those in most other states, especially since many states don’t put any sort of cap on interest rates for title loans.

The standard repayment period for a title loan is 30 days. If you can’t pay your title loan back on the due date, you do have the option of rolling over the loan, which means you pay just the interest and carry the loan principal over to a new repayment period. This new repayment period does incur an additional interest charge, but this is still a great way to extend your loan if you need more time.


Florida also provides protections regarding repossession. The lender can’t simply repossess your car the moment you default on your title loan. Instead, they must provide you with 30 days from the payment due date before repossession. Additionally, the lender must provide you with written notice about the impending repossession, along with an opportunity to give them the car yourself. Regardless of how the lender gets your car, they need to give you a chance to take any personal belongings out of it.

The lender must let you know when the sale of your car is going to take place, giving you at least 10 days’ notice. During this time, you can pay what you owe to get your car back, or you can buy it back at the sale. Keep in mind that lenders don’t want to go through the repossession process, as it costs time and money. The best solution for them is that you’re able to repay your loan. The vast majority of title loan borrowers, both in Florida and across the nation, don’t lose their cars at all. Here at Carson & Cowen Title Loans, we’re happy to find a solution to payment issues with you, just contact us about it to let us know.

Happy Clients

“Carson & Cowen Lombard was there when I needed them. I was short on rent and did not have anyone to turn to, so I got a title loan. The process was quick and easy!”

Ali JenningsHappy Customer

“I wasn't comfortable just going into loan store down the street. helped me find a lender I was comfortable with at a location near where I work.”

Jesica M. RiversideHappy Customer

“I'm someone who really likes to do my homework before making a decision. This was the right decision.”

David S.Happy Customer

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