Swift Title Loan

Get a title loan near you!

All Credit Histories Considered!

Visit Our Branches (888) 557-7115
01

Easily application process

02

Get cash and keep your car

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Repay loan and get title back

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Title Loans in Memphis

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 Memphis

1367 Poplar Ave #5
Memphis, TN 38104
(901) 499-2837
View the Location page →
1473 S Trezevant St #23
Memphis, TN 38114
(901) 657-3057
View the Location page →

Tennessee Title Loan Regulations and Key Details

Tennessee Title Loan Rules at a Glance

Rule What Tennessee Allows
Legal structure A title pledge under the Tennessee Title Pledge Act, made by a lender licensed with the Department of Financial Institutions (T.C.A. Title 45, Ch. 15)
Interest 2% per month on the original principal (§ 45-15-111)
Additional fee Up to 20% of the original loan amount per month, charged separately from interest (§ 45-15-111)
All-in maximum 264% APR once both the interest and the fee are counted
Amount Up to $2,500 against one vehicle title
Term 30 days, renewable
Renewals No cap on the number, but from the third renewal you must pay at least 5% of the original principal plus that period's interest and fees
Cancelling You may cancel by the close of the next business day for a full refund, with no fee
Repossession Permitted on default, and the lender must notify local authorities (§ 55-5-128)
Redemption 20 days after repossession to reclaim the vehicle by paying what is owed, and no extra interest or fees may accrue during that period
Repossession costs Limited to the actual costs the lender was charged

What a Title Loan Costs in Tennessee

Tennessee's charges are figured on the amount you originally borrowed rather than on your declining balance, so each 30-day period costs the same. Interest works out to $20 per $1,000 and the fee to $200 per $1,000.

The table shows a single 30-day term at the statutory maximum. It is a ceiling, not a quote. Your own agreement governs.

You Borrow Term Interest + Fee Total You Repay
$500 30 days $110 $610
$1,000 30 days $220 $1,220
$2,500 30 days $550 $3,050

Consumer Protections in Tennessee

Your lender must hold a current licence with the Tennessee Department of Financial Institutions. A pledge made without one is void, so it is worth checking before you sign.

Before you sign, the lender has to put the loan amount, the interest, the fees, the payment terms and the total due in writing, and disclose the annual percentage rate, the monthly rate of interest and the original principal balance.

You can walk away: cancelling by the close of the next business day gets you a full refund with no fee. If the car is later repossessed, you have 20 days to redeem it, nothing further may be added to what you owe during that window, and any repossession costs passed on to you are limited to what the lender actually paid. Tennessee does not permit criminal prosecution over an unpaid title pledge.

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 Ford F-Series

2020 GMC Sierra

Loan Term24 month36 month
Estimated Vehicle Value$30000$40000
Loan Amount$4893$5063
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$354.60$305.98
Monthly Interest5.005.00
APR60.00%60.00%

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

Title Loan Offers for 2026

Need fast cash in Memphis? 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.

## Frequently Asked Questions About Title Loans in Memphis, Tennessee ### Q1: What is the maximum loan amount I can get with a title loan in Memphis?

In Memphis, Tennessee, title loans can offer up to $2,500, depending on the value of your vehicle. However, the exact loan amount you qualify for may vary based on your vehicle's condition, age, and market value. ### Q2: What are the requirements to qualify for a title loan in Memphis?

## Frequently Asked Questions About Title Loans in Memphis, Tennessee ### Q1: What is the maximum loan amount I can get with a title loan in Memphis?

To qualify for a title loan in Memphis, you generally need to meet the following requirements:
  1. Be at least 18 years old.
  2. Hold the title to a vehicle that is free of liens.
  3. Provide valid identification.
  4. Show proof of income to demonstrate repayment ability.
  5. Have a phone number and active bank account.
### Q3: How quickly can I get funds from a title loan in Memphis?

## Frequently Asked Questions About Title Loans in Memphis, Tennessee ### Q1: What is the maximum loan amount I can get with a title loan in Memphis?

Many borrowers can receive funds within the same day or even within hours after applying, especially when working with Swift Title Loans. The speed depends on the evaluation process, required documentation, and lender efficiency. ### Q4: What documents do I need to apply for a title loan?

## Frequently Asked Questions About Title Loans in Memphis, Tennessee ### Q1: What is the maximum loan amount I can get with a title loan in Memphis?

To apply for a title loan, you will typically need to provide:
  • Your vehicle title showing your name.
  • A government-issued photo ID (like a driver’s license).
  • Proof of income (such as pay stubs or bank statements).
  • Proof of residence (like a utility bill).
  • Your vehicle for inspection (if applicable).
### Q5: Can I get a title loan with bad credit in Memphis?

## Frequently Asked Questions About Title Loans in Memphis, Tennessee ### Q1: What is the maximum loan amount I can get with a title loan in Memphis?

Yes, you can! Title loans in Memphis are secured by your vehicle's title, making them accessible even if you have bad credit. Lenders focus more on the value of your vehicle rather than your credit history. ### Q6: Where can I get a title loan in Memphis?

## Frequently Asked Questions About Title Loans in Memphis, Tennessee ### Q1: What is the maximum loan amount I can get with a title loan in Memphis?

You can apply for a title loan online with Swift Title Loans for a fast, no-obligation estimate. We serve borrowers in various neighborhoods throughout Memphis. Make sure to choose a licensed lender that complies with Tennessee's state laws to ensure you get a legitimate loan product.


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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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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