Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
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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
Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
Easily apply online
Get cash and keep your car
Repay loan and get title back
You are here:
Getting the cash you need is quick and simple with our title loan process
Complete a simple form from your phone or computer. No store visit, no appointment needed. 7 minutes for pre-approval.
Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.
Receive a loan estimate based on your car's value and your ability to repay. No obligation.
Once approved, funds are deposited directly to your bank account. 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. No store visit, no physical car inspection, no obligation. Apply online, upload photos from your phone, and once approved, get funds as fast as the same business day.*
| Loan Amount Range | Fees & APR % | Repayment Terms | Unique State Law Conditions |
|---|---|---|---|
| $1,500 - $10,000 | 300% APR maximum | 30 days (can be renewed) | Must comply with Texas Finance Code, Chapter 347 |
In Texas, title loans are regulated under the Texas Finance Code, specifically Chapter 347. Borrowers can expect loan amounts ranging from $1,500 to $10,000, with an APR that can reach up to 300%. Repayment terms generally are set for 30 days, but loans can be renewed if necessary.
It's crucial to select a licensed lender adhering to these regulations to ensure consumer protection. For those in urgent need of funds, Swift Title Loans offers a fast, no-obligation estimate for potential borrowers.
Major cities like Houston, Dallas, and Austin have a variety of licensed lenders ready to assist you with your financing needs. Apply online today to explore your options!
Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.
Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.
Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.
Apply in 7 minutes. Get cash as fast as the same business day when you apply before noon.*
Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.
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.
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.
We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply in multiple ways.
Title Loans
Same-Day Funding*
Bad Credit Loans
No Store Visit Loans
Apply online or at our office
Upload photos of your car
E-sign documents from home
Get funds deposited to your account
Car details
Personal details
Car title in your name
Government-issued ID
Vehicle photos
Proof of income
No store visit required
No physical car inspection
No prepayment penalties
No hidden fees
Quick funding
Same-day funding available*
Here's a real example of a funded title loan from our branch:
2021 Chevrolet Equinox | 2016 Toyota Prius | |
| Loan Term | 24 month | 36 month |
| Estimated Vehicle Value | $25000 | $16000 |
| Loan Amount | $3955 | $5025 |
| Processing Fee | $75 | $75 |
| Lien Recording Fee | $15 | $15 |
| Monthly Payment | $286.62 | $336.88 |
| Monthly Interest | 5.00 | 5.83 |
| APR | 60.00% | 70.00% |
*All our repayment plans are without any hidden fees or prepayment penalties.
Title Loan Offers for 2026
Need fast cash in ? Apply online in 7 minutes. No store visit, no car inspection. Same-day funding available.*
Quick answers to help you feel confident about title loans.
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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Imagine unlocking the hidden value in your car to get the cash you need right now. No, we’re not talking
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May 20, 2013
Car title loans offer access to fast cash while using your car as collateral. Knowing how title loans work increases
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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.
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 — they are not designed to serve as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Online applicants should be aware that 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.
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.