Swift Title Loan

Sign up by noon, get cash today!

Bad credit & past bankruptcies? All welcome!

How much can I borrow?

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Easily apply online

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Get cash and keep your car

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Repay loan and get title back

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Title Loans in Lexington, 40508

How It Works in Lexington, KY

Getting the cash you need is quick and simple with our title loan process

01

Apply in Minutes

Apply online or give us a call. No mountains of paperwork!

02

Use Your Car Title

Your vehicle stays with you; we just hold the title as collateral.

03

Get a Quick Evaluation

We’ll estimate your loan based on your car’s value and your ability to repay.

04

Sign & Drive

Once approved, sign your agreement and leave with cash the same day.

Usually there’s no credit check required, and you can borrow from $2,500 up to $50,000, depending on your vehicle. Whether it's for an emergency or unexpected bill, we’re here to help you move forward—fast.

Title Loans in Kentucky: Regulations & Key Details

If you're in need of emergency funds, title loans in Kentucky offer a viable option, especially for those with bad credit. Here are the important regulations and specifics you should know:

Key Loan Details Details
Loan Amount Range $2,500 - $25,000
Fees & APR Fees vary, with an APR typically ranging from 24% to 300%, depending on the lender and loan terms.
Repayment Terms Generally between 30 days and 24 months.
Unique State Law Conditions Borrowers must be at least 18 years old and lenders must be licensed to operate in Kentucky, as per the Kentucky Revised Statutes.

Borrowers can apply online with Swift Title Loans for a fast, no-obligation estimate. Make sure to choose a licensed lender who complies with Kentucky law to ensure you are protected. If you're located in cities like Louisville, Lexington, or Bowling Green, help is readily available!

Why Choose Swift Title Loans?

Local Service

We proudly serve our community with personalized support.

Fast & Easy

Apply today and get cash in hand—often the same day.

Online Convenience

Start your application online and finish in minutes.

No Pre-Payment Penalties

Pay off your loan early without any extra fees.

No Hassle, No Credit Check

We focus on your car’s value, not your credit score.

Our Main Advantages

Customer centered service

Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.

Loans for low credit score

We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.

Easy application process

We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply in multiple ways.

Services

Title Loans

Cash Loans

Quick Loans

Same Day  Loans

Bad Credit Loans

Installment Loans

No Credit Check Loans

Loans without credit check

Personal Loans For Bad Credit

Process

Apply by phone or at our office

Complete all necessary requirements

Get your money

Requirements

Car details

Personal details

Car title

Identification

References

Benefits

Keep driving your car

No prepayment penalties

No hidden fees

Quick funding

Personable service

Swift Title Loans – Lexington, KY

Address

534 S Upper St #170, Lexington, KY, 40508

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Lexington, KY

Here's a real example of a funded title loan from our branch:

2023 Toyota Sienna

2017 Chevrolet Spark

Loan Term24 month36 month
Estimated Vehicle Value$35000$12000
Loan Amount$4639$5256
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$336.19$370.25
Monthly Interest5.006.25
APR60.00%75.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Title Loan Offers for Apr 2025

Need fast cash in Los Angeles? Apply now to get exclusive April rates, no credit checks, and same-day funding.

How much can I borrow?

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Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I get a Title Loan in Lexington?

If you are looking for a Title Loan in Lexington, you can apply online quickly and securely with Swift Title Loans. Furthermore, you might consider lenders located in areas like East New Circle Road or near the University of Kentucky campus. Always choose a licensed lender that adheres to Kentucky state laws for Title Loans.

How much can I borrow with a Title Loan in Lexington, Kentucky?

In Lexington, Kentucky, the loan amount from a Title Loan can vary based on the appraised value of your vehicle, your need, and your ability to repay. Swift Title Loans will strive to offer as much as possible while keeping your payments manageable.

What documents do I need to apply for a Title Loan in Lexington, Kentucky with Swift Title Loans?

When applying with Swift Title Loans, you'll need the following documents
  • Your vehicle's clear title
  • A valid government-issued ID
  • Proof of income
  • Details of your vehicle like year, make, model and mileage

Can bad credit prevent me from getting a Title Loan in Lexington, Kentucky?

No, Swift Title Loans caters to customers with all credit types. Your vehicle's title as collateral is usually more important than your credit score.

How quickly can I get a Title Loan in Lexington, Kentucky?

Swift Title Loans focuses on a quick and efficient process. You can receive your funds often on the same day of approval often within 30 minutes. Start with our fast, no-obligation online application today!

What happens if I can't repay my Title Loan in Lexington, Kentucky?

If you have difficulties in making payments, communicate with us immediately. Swift Title Loans could provide payment plans or extensions. Repeated failure to pay may result in the repossession of your vehicle, as per Kentucky state laws.

How can I ensure that my lender in Lexington, Kentucky is trustworthy?

Before applying for a Title Loan, verify that the lender is licensed to operate in Kentucky. They should comply with all state laws and regulations. Swift Title Loans is a reputable lender providing transparent lending practices in Lexington, Kentucky. Remember, understanding your Title Loan is your responsibility, as is repaying


Explore Other Vehicle-Secured Loan Products

Looking for flexible financing? Ask about motorcycle title loans, RV title loans, and more. We’ve got options to fit every vehicle type and situation.

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Get pre-approved for your title loan in under 5 minutes. Quick start, because your time is precious.

How much can I borrow?

High Security

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