Swift Title & Payday Loans
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
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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.*
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.
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*
5045 Bayou Blvd STE 205, Pensacola, 32503
Mon - Fri
9am - 7pm
Saturday
10am -5pm
Sunday
Closed
1 888 903-0217
Here's a real example of a funded title loan from our branch:
2022 Hyundai Tucson | 2015 Ford F-250 | |
| Loan Term | 24 month | 36 month |
| Estimated Vehicle Value | $30000 | $40000 |
| Loan Amount | $3619 | $4119 |
| Processing Fee | $75 | $75 |
| Lien Recording Fee | $15 | $15 |
| Monthly Payment | $262.27 | $248.93 |
| Monthly Interest | 5.00 | 5.00 |
| APR | 60.00% | 60.00% |
*All our repayment plans are without any hidden fees or prepayment penalties.
Title Loan Offers for 2026
Need fast cash in Pensacola, ? Apply online in 7 minutes. No store visit, no car inspection. Same-day funding available.*
Fast title loans in Pensacola can help you get through the end of the month with extra cash. Simply send us your vehcile title and photo ID to begin processing your immediate cash.
At Swift Title Loans, we know you need your cash quickly. Contact us now with your title loan application and we’ll give you a fast credit decision. Apply online now or come see us at 5045 Bayou Blvd STE 205, Pensacola, FL 32503.
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.
August 28, 2024
Do you need quick cash but worry about your credit score? Our no-credit-check auto title loans offer a hassle-free solution
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June 18, 2023
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.
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.
