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 Palm Bay, 32909

How It Works in Palm Bay, FL

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 Florida: Regulations & Key Details

In Florida, title loans are regulated to protect consumers, especially those seeking funds during emergencies. Here's what potential borrowers should know about the specifics of title loans, including loan amounts, fees, and repayment terms.

Loan Amount Range (Min-Max) Fees & APR % Repayment Terms Unique State Law Conditions
$2,500 - $10,000 Maximum fees: 30% of the principal
APR: Up to 30% (varies by lender)
Repaid within 30 days, with possible renewal options Licensed lenders must adhere to the Florida Title Loan Act

To ensure compliance, borrowers should choose licensed lenders that follow state laws, such as those outlined by the Florida Office of Financial Regulation. Applying for a title loan is simple—borrowers can apply online with Swift Title Loans for a fast, no-obligation estimate. Major cities such as Miami, Orlando, and Tampa offer a range of lenders ready to assist those in need of immediate funds. Remember, understanding the regulations can help make informed financial decisions.

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 – Palm Bay, FL

Address

3454 Bayside Lakes Blvd SE #121, Palm Bay, FL, 32909

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Palm Bay, FL

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

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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.

What are the requirements to qualify for a title loan in Palm Bay?

To qualify for a title loan in Palm Bay, you'll generally need to meet the following criteria:
  • Be at least 18 years old.
  • Hold a clear title to your vehicle.
  • Provide a valid government-issued ID.
  • Show proof of income, which can be from employment, social security, or other reliable sources.
While bad credit may not disqualify you, meeting these requirements helps ensure your eligibility. ---

How much can I borrow with a title loan in Palm Bay?

In Florida, title loans typically allow you to borrow between 20% to 50% of your vehicle's value. For example, if your vehicle is worth $10,000, you might secure a loan between $2,000 and $5,000. The exact amount will depend on your car's condition and market value, as assessed by the lender. ---

Is there a limit on the interest rates for title loans in Florida?

Yes, Florida law caps interest rates on title loans. The maximum annual percentage rate (APR) a lender can charge is 30% to 24% based on the loan amount and term. It's important to read the loan agreement carefully to understand the total cost and any fees involved. ---

Where can I get a title loan in Palm Bay?

You can apply for a title loan with Swift Title Loans online for a fast, no-obligation estimate. We make the process straightforward, and our licensed office serves borrowers across Palm Bay. For a more traditional approach, local lenders may be found along major streets, including Palm Bay Road and Malabar Road. Always choose a licensed lender to ensure compliance with state regulations. ---

What documents do I need to provide for a title loan application?

When applying for a title loan, you should have the following documents ready:
  • Your vehicle title showing you as the owner.
  • A valid and current photo ID (e.g., driver's license).
  • Proof of income (such as pay stubs or bank statements).


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?

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