Who We Are
Swift Title Loans was founded by Rodney Patton in 2017. The same ownership and leadership continue to run the company today from our operations office at 207 E Canal St #7, Mulberry, Florida.
Swift Title Loans was built around a simple idea: getting a title loan should be easier and more convenient. In most cases, customers should not have to take time off work, visit a store, or bring their vehicle in for a physical inspection just to apply.
Our goal is to make the process simple, fast, and online whenever possible, depending on the laws in your state.*
Formerly Car Title Loans LA
You may remember us as Car Title Loans LA. In 2021, we rebranded as Swift Title Loans to better reflect the online lending experience we had built for customers in the states we serve.
Our ownership, leadership, and company values did not change. That is also why our website still uses cartitleloansla.com.
Our Story
“Many people who consider a title loan need access to funds quickly, and some may have already had difficulty qualifying through traditional credit. I wanted to build a process that reduced unnecessary office visits, vehicle inspections, and delays while still giving customers a clear way to understand their options.”
Rodney Patton, Founder & CEO
2017: Where It Started
In 2017, Rodney Patton founded Car Title Loans LA, serving borrowers throughout the Los Angeles area and Southern California. One thing stood out: a title loan gives borrowers the ability to use a vehicle they already own as collateral, so qualification is not based on credit score alone.
2019: Moving Toward a Better Process
In the early years, the process looked much more like a traditional title loan. Customers often visited a store, brought in their vehicle for inspection, signed paperwork in person, and waited for funding.
After working directly with borrowers, Rodney saw an opportunity to make the process more convenient. Many customers did not want to take time off work, drive to a branch, or arrange an in-person vehicle inspection.
2021: The Swift Title Loans Rebrand
In 2021, Car Title Loans LA became Swift Title Loans. The company also continued building its process around a more efficient online experience.
Where state law allows, customers can complete much of the process remotely, including submitting documents and verifying their vehicle without a traditional store visit or in-person inspection.^
Today
Today, Swift Title Loans serves customers in the states where we operate. In most cases, you can apply and complete the main steps online, depending on your state’s laws.^
You can see whether you pre-qualify before deciding whether a title loan is right for you. Our focus remains the same as when we started: make the title loan process clear, convenient, and as simple as possible.
Leadership
Rodney Patton, Founder and Chief Executive Officer
Rodney founded the company in 2017 and serves as CEO, overseeing strategy, technology, compliance, and Swift Title Loans’ lending operations. He brings nearly two decades of experience in consumer finance and banking.
Before stepping into the CEO role full-time in 2019, Rodney worked as a Regional Lending Specialist at Regional Finance and as Compliance and Technology Coordinator at World Finance. Earlier in his career, he held positions at Morgan Stanley, KeyBank, U.S. Bank, SunTrust, and Countrywide Financial Services, working across lending, banking operations, and compliance.
Rodney holds a Bachelor’s degree from California State University, Northridge, with a double major in Philosophy and in Business Administration, focused on Financial Planning and Risk Management.
Antonia Lehman, Chief Operating Officer
Antonia serves as Chief Operating Officer, leading the company’s day-to-day operations. Her responsibilities include lending operations, servicing, compliance, customer support, and technology.
Her role connects strategy with execution, turning business goals into the practical processes that allow Swift Title Loans to run compliantly and at scale.
Based in Mulberry, Florida, Antonia brings deep expertise in operations management, regulatory compliance, lending servicing, and customer support systems. She works directly with the underwriting, compliance, servicing, and customer care teams that support our borrowers.
Antonia holds an Associate of Arts degree in Business Administration from West Los Angeles College.
Derrick Creighton Jr., Editorial Reviewer & Fact-Checker
Derrick serves as Editorial Reviewer and Fact-Checker, reviewing Swift Title Loans borrower guides and state lending pages for accuracy, plain language, and fairness.
He is an Accredited Financial Counselor® through the Association for Financial Counseling and Planning Education and a Certified Credit Counselor™ with the National Association of Certified Credit Counselors. He is also a graduate student in Financial Therapy at Kansas State University.
His focus is the everyday side of personal finance, including budgeting, cash flow, debt reduction, credit management, and emergency preparedness. Having paid off more than $175,000 of debt himself, Derrick also coaches others as a financial wellness coach and a volunteer financial coach with United Way Suncoast.
On every page he reviews, Derrick keeps the emphasis on responsible borrowing, clear cost disclosure, and clear references to each state’s official regulator, so readers can make an informed choice.
Our Team
Behind Swift Title Loans is a team that works across customer service, underwriting, servicing, compliance, and vehicle verification. Our team reviews applications and documents, verifies vehicle information, answers questions, and supports customers throughout the loan process.
To everyone who has trusted Swift Title Loans over the years, thank you. We work hard to earn your trust and to provide the kind of experience you would feel comfortable recommending to others.
How We Work
There is no cost to apply or review an offer, whether you start online or at one of our locations. You only pay loan costs if you accept the offer and move forward with the loan.
Before you sign, you can review the APR, fees, payment amount, term, and total cost. See How It Works for a step-by-step look at the process from application to funding.
Licensing and Compliance
Title loan laws vary by state. Swift Title Loans follows the applicable lending laws and regulations in every state where we offer loans.
Loan amounts, rates, terms, fees, and borrower protections may differ depending on your state and your individual application. You can visit your state page to see the rules that apply where you live.
Questions or Complaints
Have a question about your application or loan? Visit the Contact Us page or email support@cartitleloansla.com.
If you have a complaint or unresolved concern, you can also contact your state’s financial regulator. The relevant regulator is listed on each state page.
