Swift Title Loan

Get a title loan near you!

All Credit Histories Considered!

Visit Our Branches (888) 557-7115
01

Easily application process

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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 Houston

How It Works

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

01

Visit Your Branch

Stop by your nearest Swift Title Loans branch or call us at (888) 557-7115. No appointment needed, just walk in.

02

Bring Your Documents

Bring your vehicle, your vehicle title, a valid government-issued ID, and proof of income. Our team will inspect your car at the branch.

03

Get Approved on the Spot

Our team reviews everything in person and gives you a fast approval decision on the spot, based on your car's value and your ability to repay.

04

Receive Your Cash

Once approved, walk out with your cash the same day. Keep driving your car while you repay. Same-day funding available.*

Bad credit or past bankruptcy? All welcome. Borrow up to 50% of your car's value based on your vehicle's equity, your ability to repay, and state regulations. A quick in-person review at your local branch, no obligation. Visit your nearest branch, our team handles everything in person, and once approved, get funds as fast as the same business day.*

Locations in Houston

15374 Wallisville Rd #32
Houston, TX 77049
(281) 317-6257
View the Location page →
2518 Airline Dr #7
Houston, TX 77009
(346) 595-4299
View the Location page →

Texas Title Loan Regulations and Key Details

Texas Title Loan Rules at a Glance

Rule What Texas Allows
Legal structure Arranged by a credit access business under Tex. Fin. Code ch. 393, Subchapter G (§§ 393.601–393.628), licensed by the OCCC
Rate cap None. Fees are charged "as agreed to between the parties" (§ 393.602(b))
Why there is no cap § 393.622(c) withholds from the Finance Commission and the OCCC any authority to limit credit access business fees
Amount No state minimum or maximum
Term No state minimum or maximum
Renewals Not prohibited statewide; each renewal adds new fees
Local rules Ordinances in Dallas, Houston, Austin, San Antonio and other cities may be stricter, and some cap the loan at 3% of gross income or 70% of vehicle value
Disclosure A fee may not be charged unless it has been disclosed; you must receive the amount borrowed, the fee, the interest rate and the total cost in writing
Prepayment No penalty
Repossession Permitted on default without advance warning, but the lender may not breach the peace and must give reasonable notice before selling
Collection limits No wage garnishment, no criminal prosecution, and your military employer may not be contacted

What a Title Loan Costs in Texas

We do not publish a Texas cost table, and that is deliberate. Where a state caps the rate we can show you the legal maximum; Texas has no maximum to show. Printing a representative APR here would suggest a limit that does not exist.

What to do instead: get the written disclosure before you sign. It has to state the amount borrowed, the credit access business fee, the interest rate and the total cost. Compare that total across lenders, not the monthly payment, and check whether your city's ordinance restricts the loan further.

Consumer Protections in Texas

Credit access businesses must be licensed with the Office of Consumer Credit Commissioner, and you can search the state's licence database before borrowing.

Because Texas does not cap the price, the protections that matter here are procedural. A fee cannot be charged unless it has been disclosed, and you are entitled to written disclosure of the amount borrowed, the credit access business fee, the interest rate and the total cost, along with a statement about short-term cash needs. No device, subterfuge or pretence may be used to evade the subchapter. There is no prepayment penalty.

On default a lender may repossess without advance warning, but may not breach the peace, and must give reasonable notice before selling the vehicle. Texas does not permit wage garnishment or criminal prosecution over the debt, and a lender is prohibited from contacting a military borrower's employer.

Why Choose Swift Title Loans?

Friendly In-Person Service

Visit your nearest Swift Title Loans branch and our friendly team will help you in person, no waiting in line.

No Physical Car Inspection

Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.

Bad Credit? All Welcome.

Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.

Same-Day Funding Available

Get approved on the spot. Walk out with cash as fast as the same business day when you visit before noon.*

Free Service. No Obligation.

Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.

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

Same-Day Funding*

Bad Credit Loans

Local Branch Service

Process

Visit your nearest branch

Upload photos of your car

E-sign documents from home

Get funds deposited to your account

Requirements

Car details

Personal details

Car title in your name

Government-issued ID

Vehicle photos

Proof of income

Benefits

Friendly in-person service

No physical car inspection

No prepayment penalties

No hidden fees

Quick funding

Same-day funding available*

Example of Title Loans Funded in

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

2017 Kia Forte

2019 Hyundai Sonata

Loan Term24 month36 month
Estimated Vehicle Value$15000$18000
Loan Amount$2938$4994
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$212.92$318.14
Monthly Interest5.005.42
APR60.00%65.00%

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

Title Loan Offers for 2026

Need fast cash in Houston? Visit your nearest Swift Title Loans branch or call (888) 557-7115. Get approved on the spot with same-day funding available.*

Visit Our Branches (888) 557-7115

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Your Title Loan Questions Answered in Houston, Texas #### Q1: What are the eligibility requirements for title loans in Houston, Texas?

To qualify for a title loan in Houston, you typically need to meet the following criteria: - Be at least 18 years old. - Own a vehicle with a clear title (meaning no liens). - Provide a valid government-issued ID. - Show proof of income or a steady source of repayment. - Provide proof of residence, such as a utility bill or lease agreement. #### Q2: How much can I borrow with a title loan in Houston?

Your Title Loan Questions Answered in Houston, Texas #### Q1: What are the eligibility requirements for title loans in Houston, Texas?

Texas sets no state minimum or maximum loan amount, so the amount you can borrow depends on your vehicle's value and your ability to repay. At Swift Title Loans, we assess your vehicle's value to determine the loan amount that fits your financial needs. #### Q3: Where can I get a title loan in Houston?

Your Title Loan Questions Answered in Houston, Texas #### Q1: What are the eligibility requirements for title loans in Houston, Texas?

You can visit your nearest branch with Swift Title Loans for a fast, no-obligation estimate. Additionally, there are various title loan lenders located throughout Houston, especially near major streets like Westheimer Road and Bellaire Boulevard. Make sure to choose a licensed lender that complies with Texas state regulations for your safety and peace of mind. #### Q4: What documents do I need to apply for a title loan?

Your Title Loan Questions Answered in Houston, Texas #### Q1: What are the eligibility requirements for title loans in Houston, Texas?

To apply for a title loan, you will generally need the following documents:
  1. Your vehicle title showing you as the owner.
  2. A valid government-issued ID (like a driver's license).
  3. Proof of income (pay stubs, bank statements, etc.).
  4. Proof of residence (like a utility bill).
  5. Your vehicle registration and insurance information.
#### Q5: How quickly can I receive funds after applying for a title loan?

Your Title Loan Questions Answered in Houston, Texas #### Q1: What are the eligibility requirements for title loans in Houston, Texas?

After submitting your application with Swift Title Loans, many borrowers can receive funds as quickly as the same day. The speed of the process often depends on the accuracy of the information provided and your vehicle's appraisal. #### Q6: Can I qualify for a title loan in Houston with bad credit?

Your Title Loan Questions Answered in Houston, Texas #### Q1: What are the eligibility requirements for title loans in Houston, Texas?

Yes, you can still qualify for a title loan in Houston even if you have bad credit. Title loans are secured by your vehicle's equity, making


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Fast Title Loans

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

Visit Our Branches (888) 557-7115
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207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449

Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief, not as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.

Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.

USA PATRIOT ACT, ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.

About branch visits and vehicle review: When you visit a Swift Title Loans branch, our team reviews your vehicle in person, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require additional steps by law for title verification. Loan availability, terms, and approval depend on state law and individual qualifications.

If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.

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