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

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Get cash and keep your car

03

Repay loan and get title back

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Title Loans in Santa Cruz, 95060

How It Works in Santa Cruz, 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 – Santa Cruz, CA

Address

731 Ocean St unit 2, Santa Cruz, CA, 95060

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Email

service@swiftloans.com

Customer Reviews

William H.
I needed money fast and the instant cash loans from this service delivered right away. The application was quick and I had the funds in my account almost instantly.
Kishen K.
This service in Santa Cruz was a lifesaver when I needed a car title loan to cover a sudden medical expense. The application was easy, and the funds were ready the same day. While the interest rate was a bit higher than I’d hoped, the staff was friendly and professional throughout. Highly recommend!
Gary D.
My questions were answered quickly, and they were flexible enough to accept monthly payments to work with my car title payday loans. Swift Title Loans was really compassionate and accepting.
Alex C.
I discovered Swift Title Loans the closest title loan place to me, which don't require a credit check. when exploring my borrowing options, I decided to apply for a need cash before payday, a payday loan online after doing some research and talking to a friend who had a positive experience. I was thrilled to find out that loan could be obtained without a credit check, regardless of my credit background.👍
Danika E.
You should try to get a cash advance online if you need money immediately. I researched vehicle registration costs and title loans that were close by. They'll bend over backwards to satisfy your every whim. It's highly inappropriate for you to be here at this time.
Cade N.
I was impressed by the assistance I received today when applying for a bad credit auto loan as a business owner who values customer satisfaction. The assistant manager, branch manager, and manager above her all went out of their way to help me get fast title loans near me. No matter who you talk to, you'll like here. Ladies (and one male), thank you again.🙏

Example of Title Loan Funded in Santa Cruz, CA

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

2016 Toyota Highlander

2020 Tesla Model X

Loan Term24 month36 month
Estimated Vehicle Value$30000$75000
Loan Amount$3148$5798
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$228.14$350.40
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 Santa Cruz, 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

Easy Cash for Santa Cruz Emergencies

Why run around town looking for a fast loan, when you can stay at home and send an online request for a title loan? In Santa Cruz, the speedy way to quick cash is using your car title as loan security. Apply now for cash the following business day.

CA Title Loans for All Credit Types

Find the cash you need for any unexpected expense when you apply for a title loan. The responsive staff at 731 Ocean St Unit 2, Santa Cruz, CA 95060 will give you an immediate answer to your cash request, and you can even get the money the next business day. We don’t worry about a bad credit history, so you shouldn’t either! Apply now for an instant reply.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I get a title loan in Santa Cruz, California?

You can apply online with Swift Title Loans for a fast, no-obligation estimate. Some lenders may be located around major areas such as the Pacific Avenue or East Cliff Drive. Always ensure you choose a licensed lender that abides by California’s title loan regulations.

What is the maximum loan amount I can get for a title loan in Santa Cruz, California?

In California, there's no cap for title loan amounts. The ultimate sum depends on your vehicle's worth, your ability to repay, and the lender's assessment. Swift Title Loans is dedicated to providing an amount that aligns with these factors to ensure manageable repayments.

What documents do I need to apply for a title loan with Swift Title Loans in Santa Cruz, California?

Here is the list of necessary documents when applying:
  • A valid government-issued ID.
  • The free-and-clear title to your vehicle.
  • Proof of your ability to repay the loan (like pay stubs or bank account statements).
  • Proof of residency (a piece of mail like a utility bill).

Can I apply for a title loan in Santa Cruz, California, if I have bad credit?

Absolutely! Swift Title Loans offers title loans to customers with all credit types, including bad or no credit. Your vehicle’s value and ability to repay weigh more than your credit score.

What will happen if I cannot repay my title loan in Santa Cruz, California?

If you find yourself unable to make the payments, reach out to Swift Title Loans immediately. We aim to work with borrowers during tough times, and we may be able to modify your payment plan to fit your current situation.

How fast can I get a title loan in Santa Cruz, California?

With Swift Title Loans, you can complete an online application in a matter of minutes and get your funds as soon as the next business day. The entire process is quick and hassle-free.

Can I keep using my vehicle while repaying the title loan in Santa Cruz, California?

Yes, when you take out a title loan with Swift Title Loans, you retain full use of your vehicle while making timely repayments.


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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