Swift Title Loans. Simple. Fast. Online.*
Same-day funding may be available*
Bad credit & past bankruptcies? All welcome to apply!
Fast Online Title Loans. No Store Visit in Most Cases.^
We specialize in licensed and regulated online title loans in the states we serve.
Verify your vehicle with photos or video from your phone instead of bringing it to a store.^
In most cases, there is no store visit and no in-person vehicle inspection.^ If you prefer in-person service, our store locations are also available.
Simple and Fast, Even With Bad Credit
Our process is designed to be simple and fast, including for borrowers with bad credit.
Enter some basic personal, income, and vehicle information to see if you pre-qualify in about 7 minutes.*
If you receive final approval and your signed documents are in before noon on a business day, you may receive your funds the same business day.*
What Our Customers Say About Us
Apply Online. Keep Driving Your Car.
Applying with Swift Title Loans is free. If approved, you keep your car and can continue using it while you repay the loan.
Once your loan is paid in full, we release our lien on your vehicle title.
See how our title loan process works and decide whether it fits your needs.
What Can You Do Online?
Where state law allows, you can complete most of the process from your phone or computer, including:
See if you pre-qualify
Get a free estimate
Upload your documents
Review and e-sign your agreement^
Choose a funding method
Make payments online
How Do You Start? Three Steps
Apply in Minutes
Complete our online application in about 7 minutes* to see if you pre-qualify and get a free estimate. Provide basic information about your vehicle, income, and contact details.
Prefer in-person service? You can also apply at a Swift Title Loans store near you.
Send Documents & Vehicle Photos
If you want to continue, upload your income documents and vehicle photos. We use them to verify your information, review your title, and estimate your vehicle’s value.
In most cases, photos replace the physical vehicle inspection.^
Review Your Offer & Get Funded
Review your final offer, including your payments and total loan cost. If you accept the terms, sign your agreement and receive your funds.
Same-day funding may be available if your signed documents are in before noon on a business day. You keep your vehicle and continue driving while repaying the loan.
What to Have Ready
Your car title
A government-issued photo ID
Proof of income, such as pay stubs or benefit letters
See the full list in our title loan requirements.
Find Your State or a Store
Pick your state on the map or from the list, or find a store near you by city and address.
Title loans
No service
What Do You Get With Swift Title Loans?
Online Vehicle Check
Send photos of your car from your phone in minutes,* or bring it to a Swift store if you prefer.^
Your Car and Income Come First
We look at what your car is worth and whether you can afford the payments, so you may still qualify for a title loan with bad credit.
Applying does not affect your FICO® Score.
Still Paying Off Your Car?
You may still qualify when only a small balance is left. If approved, part of the new loan pays off what you still owe, so your current lien can be released.
ITIN Accepted
You can apply with an ITIN instead of a Social Security number.
No Hidden Fees
We charge no hidden fees and never ask for a spare key. There is no prepayment penalty, so paying early lowers the interest you owe.
Borrow Against Your Car’s Title
Apply online or visit one of our stores.
What Should You Know Before You Apply?
How Much Can You Borrow?
Our title loans are typically about 25% to 50% of your vehicle’s value, depending on your income, vehicle, and state law.
For example, a $10,000 vehicle may support a loan of roughly $2,500 to $5,000.
Your exact amount depends on:
- Your vehicle’s value and condition
- Your income and ability to repay
- Your state’s title loan laws
Use our car title loan calculator to estimate your payment before you apply.
What Photos Do You Need?
For online vehicle verification,^ we may ask for clear photos of:
- All four sides of your vehicle
- The odometer
- The VIN
- The front and back interior
In some cases, we may also ask for a short video. Good lighting helps us verify the vehicle more easily.
Understand the Risks
A title loan can be expensive. Review the APR, monthly payment, and total cost before you sign.
A lower monthly payment can still mean a higher total cost if the loan lasts longer.
If you fall behind, your vehicle may be repossessed under your state’s law.
If you think you may miss a payment, contact us before your due date. Depending on your loan and state law, payment options may be available.
Apply Online or Visit a Store
Start online or at one of our stores, and see your estimate before you decide anything.
