Dina Lohan -- Hey Michael, Pay Up ... Or Get Locked Up

Michael Lohan needs a ride to the bank ... because the Florida judge threatening jail time has suspended his license until he shells out more than $16k in back child support to Dina Lohan.

Sources close to Dina tell TMZ, a judge called Michael on the carpet for cruising around Boca Raton in his flashy Maserati while he owes thousands. The judge revoked Michael's passport and stripped him of his driving privileges ... until he pays up.

We're told Michael phoned in during the hearing and promised the check's in the mail. The judge has heard that line before, and warned if the check doesn't come by April 24th, it's off to jail.

Sources close to Michael say a deadbeat dad wouldn't buy a $50k Raptor truck for his son ... and insists he pays his kids directly because he believes Dina just spends the money on herself.

Michael gave the judge proof he's bypassed Dina with the payments, but apparently the judge was not persuaded and ordered him to cut a check STAT.