Swift Title & Payday Loans

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Bad credit & past bankruptcies? All welcome!

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Get cash and keep your car

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Title Loans in Cleveland Heights, 44118

How It Works in Cleveland Heights, OH

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 Ohio: Regulations & Key Details

In Ohio, title loans are regulated to protect consumers while providing accessible funds. Borrowers with bad credit can turn to Swift Title Loans for quick assistance when funds are urgently needed. It's critical to choose a licensed lender that complies with state laws.

Loan Amount Range Fees & APR % Repayment Terms Unique State Law Conditions
$1,000 - $5,000 Up to 28% 30 days, with potential extensions available Maximum fee cannot exceed 10% of the loan amount in Ohio

Understanding these regulations helps you make informed decisions. Borrowers can apply online with Swift Title Loans for a fast, no-obligation estimate. Always refer to resources like the Ohio Department of Commerce for detailed information on consumer protections regarding title loans.

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 – Cleveland Heights, OH

Address

1941 Lee Rd #2, Cleveland Heights, OH, 44118

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Email

service@swiftloans.com

Customer Reviews

Amanda T.
Getting money for my car title in Cleveland Heights was a smooth and transparent process. They offered a fair amount and the paperwork was minimal. I got the cash I needed while keeping my vehicle, which was perfect.
Smith D.
I’m thankful I found a cash installment loan in Cleveland Heights when I needed extra funds. The process was straightforward and I always knew what my payments would be. This service gave me peace of mind during a stressful time.
Adrian H.
This loan service truly deserves Respect! The team treated me with honesty and professionalism throughout the entire process, making me feel valued as a customer. Their transparent communication and efficient service made everything stress free and straightforward.
Mike S.
When I was having financial difficulties, Swift Title Loans in Cleveland Heights provided me with a personal installment loan for bad credit that was within my means! 🙌 Flexible repayment terms and skilled assistance were provided. I'm really appreciative of their support during a difficult period.
Todd L. R.
While I haven't been a big fan of online shopping in the past, I found this loan provider's website to be user-friendly and intuitive, especially when it came to their online auto title loans. Getting the money I needed was quick and hassle-free, leaving me with no further concerns.
Debuggy B.
They provided exceptional service when I needed a loan with my car title as collateral. Their efficient process and transparent terms made securing the funds I needed a straightforward and stress-free experience, earning my trust and recommendation.

Example of Title Loan Funded in Cleveland Heights, OH

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

2019 Toyota Tacoma

2015 Jeep Gladiator

Loan Term24 month36 month
Estimated Vehicle Value$30000$35000
Loan Amount$4849$3907
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$351.41$236.12
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 Cleveland Heights, OH? 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

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Simple Cash Loans for Vehicle Owners in OH

Extra cash in your account the next business day can be a dream come true. If you own a vehicle in Cleveland Heights and can sendin a clear title, you can be elible for a fast loan. No worries if you have bad credit – you can still be instantly approved for a car title loan. Check it out now!

Quick Cash Loans for All Credit Types in OH

Don’t worry about cash in your pocket if you own a vehicle in OH. Send us your clear title to 1941 Lee Rd #2, Cleveland Heights, OH 44118 and we’ll get right back to you with a free offer. Instant cash and keep driving your vehicle!

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What are the borrowing limits for Title Loans in Cleveland Heights?

In Cleveland Heights, Ohio, Swift Title Loans offers title loan amounts that start from $2,500 up to $20,000. Title loans are based on the assessed value of your vehicle and other lending criteria.

Where can I get a Title Loan in Cleveland Heights?

Swift Title Loans makes it easy for residents of Cleveland Heights to apply for a title loan. You can easily start your application process online at the Swift Title Loans website for a fast, no-obligation estimate. While there are lenders located around major areas such as Coventry Road and North Park Boulevard, remember to choose a licensed lender that follows state laws - Swift Title Loans is a trusted choice for many.

How fast can I receive my funds once my Title Loan is approved?

At Swift Title Loans, the process is fast and efficient. Once your title loan is approved, you could have access to your emergency funds within one business day.

What documents do I need to apply for a Title Loan with Swift Title Loans in Cleveland Heights, Ohio?

Apply for a title loan with Swift Title Loans requires certain documents:
  • Your vehicle’s clear title
  • Proof of income (such as pay stubs or bank account statements)
  • Proof of residency (such as a utility bill)
  • Valid government-issued ID (such as your driver’s license)

Will my credit score affect my ability to get a Title Loan in Cleveland Heights, Ohio?

At Swift Title Loans, we understand that everyone can face financial issues at times. If you have bad credit and need emergency funds, you may still be approved for a title loan. We place more emphasis on the value of your vehicle and your ability to repay the loan, rather than exclusively on your credit score.

Can I keep driving my vehicle while I repay my Title Loan?

Absolutely! At Swift Title Loans, we understand that you need your vehicle for your day-to-day life. As long as you keep up with your agreed-upon payment plan, you can keep driving your vehicle while repaying your title loan.


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

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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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