Title Loans in Bonita Springs

Bonita Springs and Lee County were hit hard by Hurricane Ian in 2022. The loan continues regardless, so the protection that matters is comprehensive auto coverage, which generally covers flood and wind damage; a home flood policy does not cover your car. Confirm you carry comprehensive and check your hurricane or named-storm deductible, often a percentage of the vehicle’s value.

If your vehicle is totaled, the settlement is applied first to us as lienholder up to the balance, with any surplus to you. If a storm disrupts your income, contact our office before missing a payment, since the 30-day extension option and partial-payment requirement help only if you reach out early.

You can ask, but expect the appraisal to reflect it. A vehicle with a flood or salvage title brand is worth substantially less at resale because flood damage causes hidden electrical and mechanical problems, so the supported loan amount is lower, and some heavily branded vehicles may not qualify at all.

A clear, lien-free title in your name is required either way. If you are unsure how your title is branded, confirm it with the Florida Highway Safety and Motor Vehicles before applying and share the details with our office.

Self-employed and 1099 income counts for our ability-to-repay review with suitable documentation: prior-year tax returns including Schedule C, 60 to 90 days of business and personal bank statements, 1099s, and invoices or signed contracts.

Trade income can be lumpy, so we look at a realistic monthly average rather than your best month, and you should size the loan to survive a gap between contracts. If part of your pay is cash, depositing it regularly makes it far easier to document.