Swift Title Loan

Sign up by noon, get cash today!

Bad credit & past bankruptcies? All welcome!

(888) 557-7115

How much can I borrow?

$100 - $2,000
$2000 - $50,000

High Security

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Easily apply online

02

Get cash and keep your car

03

Repay loan and get title back

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Title Loans in West Covina, 91791

How It Works in West Covina, CA

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

01

Apply in Minutes

Complete a simple form from your phone or computer. No store visit, no appointment needed. 7 minutes for pre-approval.

02

Submit Photos & Documents

Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.

03

Get Your Free Quote

Receive a loan estimate based on your car's value and your ability to repay. No obligation.

04

Sign & Drive

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.*

Title Loans in California: Regulations & Key Details

Understanding Title Loans in California

In California, title loans are a popular option for those needing quick cash, especially for individuals with bad credit. Swift Title Loans offers a streamlined process to apply online for fast, no-obligation estimates. It’s crucial to select a licensed lender that complies with state regulations.

Key Loan Details

Loan Amount Range Fees & APR % Repayment Terms Unique State Law Conditions
$2,500 - $50,000 Fees can reach up to 15% per month; APR can exceed 200% depending on fees. Repayment terms typically range from 30 days to 3 years. California law mandates that the total cost of the loan be disclosed upfront. Lenders must provide a 24-hour cooling-off period.

Legal Regulations

California law requires that title lenders adhere to strict guidelines. The California Department of Financial Protection and Innovation oversees title loans under the California Financing Law. Ensure you review the official regulations for more information as outlined by the [California Department of Financial Protection and Innovation](https://dfpi.ca.gov).

Choosing a licensed lender ensures your rights as a borrower are protected. Always read the loan agreement in full and understand the total cost before signing. Apply today with Swift Title Loans to secure the funds you need quickly and easily.

Why Choose Swift Title Loans?

No Store Visit Required

Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.

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

Apply in 7 minutes. Get cash as fast as the same business day when you apply 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

No Store Visit Loans

Process

Apply online or at our office

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

No store visit required

No physical car inspection

No prepayment penalties

No hidden fees

Quick funding

Same-day funding available*

Swift Title Loans – West Covina, CA

Address

1346 S Azusa Ave #3, West Covina, CA, 91791

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Email

service@swiftloans.com

Customer Reviews

Mamie S.
Before I found this company, it seemed impossible to find the best loan for bad credit in West Covina. Despite my poor credit history, they took into account my income and current circumstances rather than concentrating only on my past transgressions. The loan officer patiently explained everything to me. Businesses that give people second chances have my gratitude!
Steven C.
Online, I've seen a lot of bad loans with no credit check, but this one seemed fair. Despite my prior financial difficulties, I felt that they treated me fairly and didn't make me go through a lot of hoops.
Norman G.
I didn't want to wait around when I needed cash loans. This location delivered immediately; there were no lengthy waits, only a simple procedure, and I had money in my account the same day.
George E.
I'm really pleased with the experience I had when I applied for installment loans for bad credit here. The loan was promptly authorized, and the interest rates weren't excessive. I valued the direct language and clear communication.
John D.
Swift Title Loans proved to be a financial lifesaver when I urgently needed assistance, and they happened to be the nearest title loan provider. Their prompt service and convenient location made the entire process quick and efficient, earning them my top recommendation for anyone in search of reliable financial solutions nearby.
Richard B.
For a low-credit loan need to find title loan companies near me, we had a pleasant option: the expenses were acceptable, and the process no credit check personal loans proceeded easily by Swift Title Loans.

Example of Title Loan Funded in West Covina, CA

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

2016 Ford Mustang

2019 Jeep Renegade

Loan Term24 month36 month
Estimated Vehicle Value$24000$23000
Loan Amount$3427$5009
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$248.36$319.09
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 West Covina, CA? Apply online in 7 minutes. No store visit, no car inspection. Same-day funding available.*

(888) 557-7115

How much can I borrow?

$100 - $2,000
$2000 - $50,000

High Security

256-bit SSl

TLS Security

Title Loans for Urgent Cash in CA

There’s no need to worry about money problems in CA if you own a vehicle with a clear title. Simply send it in with your title loan application and find out quickly how much you can get. Even after you accept the cash offer and get your money, your vehicle remains with you to use as you normally do. For fast answers to your cash crisis, let us help at Swift Title Loans in West Covina.

Emergency Cash Can Be Yours in West Covina

No one wants to be left without cash for emergency needs. That’s why the team at 1346 S Azusa Ave #3, West Covina, CA 91791 takes your title loan application seriously. Without wasting a minute, they’ll reply to your cash request and help you get your money quickly. Online applications accepted 24/7.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I get a title loan in West Covina, California?

You can apply online with Swift Title Loans for a fast, no-obligation estimate. While there may be various title loan vendors along major streets in West Covina, like Azusa Ave or W Garvey Ave S, it's essential to choose a licensed lender that follows state laws, like Swift Title Loans.

What are the requirements for obtaining a title loan in West Covina?

To qualify for a title loan with Swift Title Loans, you need these documents:
  1. A valid ID
  2. Proof of income
  3. Proof of residence
  4. Free and clear vehicle title
Your car also needs to be inspected to determine the loan value.

What is the maximum amount I can borrow with a title loan in West Covina, California?

The loan limit in West Covina, California is up to $25,000. Swift Title Loans offers title loans starting from $2,600. However, the exact amount is determined by the value of your vehicle and your ability to repay the loan.

What if I have bad credit? Can I still get a title loan in West Covina, California?

Absolutely! Swift Title Loans understands that emergencies happen, and your credit score should not prevent you from getting help. We focus on your ability to repay the loan and the value of your car, not your credit score.

Can I still use my vehicle while paying off my title loan in West Covina?

Yes! Even though you use your vehicle title as collateral for your loan with Swift Title Loans, you can continue using your car as you usually do while paying off your loan.

How do I repay my title loan in West Covina, California?

Swift Title Loans offers easy repayment options, including online payments, phone payments, or direct in-person payments at our service locations.

What happens if I can't repay my title loan?

Swift Title Loans encourages all borrowers to stay in contact if they face issues during repayment. Help will be provided, such as modifying your payment schedule. However, failure to repay the loan could result in the lender repossessing your vehicle, in accordance with California state law. Need a title loan? Apply online with Swift Title Loans now and get a quick, no-obligation


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.

(888) 557-7115

How much can I borrow?

$100 - $2,000
$2000 - $50,000

High Security

256-bit SSl

TLS Security

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Swift Title Loans ("Website") is not a lender, lending partner, or credit provider. We do not make loans, issue credit, or make credit approval or denial decisions. This Website operates solely as a free referral service designed to connect consumers with participating licensed and regulated third-party lenders and marketing partners who may offer online title loans with no physical vehicle inspection required. We do not endorse any lender, nor are we responsible for any lender's actions or inactions. The Website does not collect, store, or have access to information regarding the fees and charges associated with contacting lenders or any loan products.

^When we refer to 'no inspection' or 'no physical inspection,' we mean no in-person store visit or walk-around vehicle inspection at a lender location. You will still need to submit photos and/or videos of your vehicle, including exterior (all four sides), interior (front and back), odometer, and VIN. Some states may still require a physical visit by law for title verification. Additionally, some lenders may require an in-person inspection if they cannot fully assess vehicle quality from photos/videos, or if the vehicle has high mileage or condition concerns that require professional evaluation.

Submitting information through this Website does not guarantee you will receive a loan offer, be approved for any loan product, or be connected with a completely online title loans lender. The number of inquiries we receive exceeds the number of consumers who ultimately qualify for financing. Loan approval is subject to meeting each lender's specific credit and underwriting criteria. Actual loan amounts, terms, and Annual Percentage Rates (APR) vary by consumer, lender, and state. Minimum and maximum loan amounts vary by state regulation and lender policy.

By submitting your loan request, you acknowledge, agree, and authorize that: (a) your personal information may be shared with third-party marketing partners and participating licensed and regulated lenders in our network; and (b) lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, including TransUnion, Experian, and Equifax, to evaluate your creditworthiness. Every lender may perform credit verification, whether traditional or non-traditional. Do not be misled by terms like 'No Credit Check Loans' — lenders may still verify your credit history.

Consumers need to demonstrate ability to repay the loan through proof of income such as pay stubs, bank statements, or benefits documentation. This is a key factor in loan approval and helps protect you from taking on debt you cannot afford. Upon completion of the loan request form, a conditional approval may be given pending review of additional documentation.

*Same-day funding available for applications completed and approved before 1PM PT on business days. Excludes weekends and federal holidays.

A title loan is secured by your vehicle. Failure to make required payments may result in vehicle repossession. Repossession costs may include towing, storage, and sale preparation fees as permitted by applicable law. Lenders may report late or missed payments to consumer reporting agencies, which may negatively affect your credit score.

Title loans are expensive and involve high fees and interest rates. They are designed for short-term financial needs only and are not suitable as long-term financial solutions. If you decide to take a title loan, we strongly encourage you to pay it off as quickly as possible to avoid a cycle of debt and additional finance charges. Consider alternatives such as personal loans, credit union loans, or borrowing from family and friends. We encourage consumers with credit difficulties to seek credit counseling before entering into any loan transaction.

All participating licensed and regulated lenders independently determine their own interest rates, fees, and payment terms. Swift Title Loans has no control over these rates or payments. Use of terms like 'competitive' or 'reasonable' does not mean affordable; borrowers should use their own discretion when working directly with any lender. Loans such as auto title loans typically do not have prepayment penalties, but we cannot guarantee all lenders follow this practice. Loan proceeds are intended primarily for personal, family, and household purposes. For all questions about your loan, please contact your lender directly.

Some lenders may require installation of a GPS tracking device on your vehicle as a condition of the loan. Fees may apply and vary by lender. While we strive to connect you with lenders who do not require GPS devices, we cannot guarantee this. Always confirm GPS requirements directly with your lender before signing any agreement.

This service and participating licensed and regulated lenders are not available in all states. States serviced may change from time to time without notice. In some cases, you may be connected with a tribal lender. Tribal lenders are subject to tribal and certain federal laws only, while other lenders are also subject to state law including usury caps.

Swift Title Loans complies with the California Consumer Privacy Act (CCPA). California residents have specific rights regarding how their personal information is collected, used, and shared, including the right to opt out of the sale or sharing of personal information and the right to limit use of sensitive personal information. Submit requests through our "Do Not Sell or Share My Personal Information" page or call (888) 557-7115.

If you use assistive technology and have trouble accessing any part of our website, please email support@swifttitleloans.com or call (888) 557-7115.

Use of this website is free. Swift Title Loans does not charge any fees for using this referral service. We may share personal information with participating licensed and regulated lenders or service providers as necessary to process your loan request, in accordance with our Privacy Policy.

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