Our Loan Calculator
- Fill in the loan amount
- Fill in the interest rate
- Select the loan term
| Payment Date | Payment | Principal | Interest | Total Interest | Balance |
|---|---|---|---|---|---|
| Dec 2026 | $244.39 | $145.31 | $99.08 | $99.08 | $2,854.69 |
| Jan 2027 | $244.39 | $150.11 | $94.28 | $193.35 | $2,704.57 |
| Feb 2027 | $244.39 | $155.07 | $89.32 | $282.67 | $2,549.50 |
| Mar 2027 | $244.39 | $160.19 | $84.20 | $366.87 | $2,389.31 |
| Apr 2027 | $244.39 | $165.48 | $78.91 | $445.77 | $2,223.82 |
| May 2027 | $244.39 | $170.95 | $73.44 | $519.22 | $2,052.88 |
| Jun 2027 | $244.39 | $176.59 | $67.80 | $587.01 | $1,876.28 |
| Jul 2027 | $244.39 | $182.43 | $61.96 | $648.98 | $1,693.86 |
| Aug 2027 | $244.39 | $188.45 | $55.94 | $704.92 | $1,505.41 |
| Sep 2027 | $244.39 | $194.67 | $49.72 | $754.63 | $1,310.73 |
| Oct 2027 | $244.39 | $201.10 | $43.29 | $797.92 | $1,109.63 |
| Nov 2027 | $244.39 | $207.74 | $36.65 | $834.56 | $901.89 |
| Dec 2027 | $244.39 | $214.60 | $29.78 | $864.35 | $687.28 |
| Jan 2028 | $244.39 | $221.69 | $22.70 | $887.05 | $465.59 |
| Feb 2028 | $244.39 | $229.01 | $15.38 | $902.42 | $236.58 |
| Mar 2028 | $244.39 | $236.58 | $7.81 | $910.24 | $0.00 |
See Your Monthly Payment Before You Borrow
This calculator shows the big picture of borrowing against your car at a high interest rate, so you can decide if you can handle the payments over time. You can see:
- Your monthly payment. What you’d pay each month.
- How long you’d pay. The months and your payoff date.
- Your Amortization Schedule. This is the most useful part. It lists every payment, so you can see how much goes to interest and how much pays down your loan.
Before you rely on the number, keep in mind:
- It’s a rough estimate, not an offer. It assumes equal payments made on time, with no fees.
- The starting rate is about 39.63%. That’s California’s legal limit from August 2026 on loans of $2,500 to $9,999. It’s not a quote from us.
If you are approved, we offer about 25% to 50% of your vehicle’s value on a title loan from Swift Title Loans, depending on your ability to repay and your state’s law. For example, if your car is worth $10,000, you may qualify for $2,500 to $5,000.
How Your State Changes Your Payment
Your state’s law can change what you pay, because each state has its own rules to protect borrowers. You can find each state’s law on our title loan laws by state page, which takes you to the law section of that state’s page.
If You Live in California
California limits the rate on loans of $2,500 to $9,999. At $10,000 or more, there is no state rate cap, so staying under $10,000 keeps that limit on your side.
That limit is 36% a year plus the Federal Funds Rate, a national rate. The total was about 39.63% in August 2026, and it moves over time.
Based on our lending experience, most California title loans funded through Swift Title Loans range from about $2,800 to $6,000. On a $5,000 loan at that limit, a longer term lowers the payment but adds interest:
- 12 months: about $511 a month, $1,137 total interest
- 24 months: about $305 a month, $2,319 total interest
This example is at the law’s limit, not a rate from Swift Title Loans, and your exact rate depends on your vehicle, loan amount, and term.
If You Live in Florida
Florida law sets 30-day terms that can be extended, so a monthly schedule does not describe a Florida title loan. The law’s rate limit applies to slices of the loan:
- On the first $2,000: 30% a year
- On the part from $2,001 to $3,000: 24% a year
- On the part above $3,000: 18% a year
Based on our lending experience, most Florida title loans funded through Swift Title Loans range from about $800 to $3,100.
On a $2,100 loan at the law’s limit, one 30-day term comes to about $52 of interest, so $2,152 is due. Each extension adds interest. That example is at the law’s limit, not a rate from Swift Title Loans.
If You Live in Another State
Texas sets no state rate cap, and the amount and price come from the lender’s review and loan agreement. Some Texas cities set stricter limits.
The calculator’s starting $3,000 is above the law’s limit of $2,500 in Virginia and $2,500 per vehicle title in Tennessee, and rates work differently in those two states, so check your state’s page instead of the box’s starting rate. You can find every other state on our locations page.
How to Use the Calculator
- Type the loan amount.
- Pick the months.
- Type the yearly interest rate.
- Press Calculate. Your Amortization Schedule updates below the result and shows every payment month by month.
Amortization just means how each payment splits between interest and what you borrowed. With the numbers the calculator opens on, your first payment of $244.39 is $99.08 interest and $145.31 toward your loan.
Which Rate and Term Should You Type?
If you have a loan agreement, type the APR from it. Your state’s law can set the term of your loan, so some months on the menu may not be open to you, and you can check the law for your state before you pick one.
- California: The calculator already starts at about 39.63, the limit from August 2026. Pick 12 or more months on loans of $2,500 to $9,999.
- Florida: Change the rate, because the box starts at California’s limit, and pick 1 month to estimate one term. The Florida example above is closer.
How Do You See Your Own Amount?
How much you can borrow depends on what your car is worth and what you can afford to repay. If you still owe on your car, a title loan usually works only with a small balance left.
Complete our online application in about 7 minutes to see if you pre-qualify and get a free estimate. Online is the fastest route, but you can still visit one of our locations to complete the process in person.
How Hard Is It to Pay Off a Title Loan?
A title loan can be hard to pay off because it’s a costly way to borrow, and lenders build the risk of missed payments into the price.
With a title loan from us, you can lower that cost. There is no prepayment penalty. You can pay extra or clear the loan early at any time, and doing so lowers the total interest you owe.
Before you apply, ask yourself:
- Could you keep up every payment if a surprise bill came along?
- Is the money for an emergency that can’t wait?
- Could a personal loan or a credit union loan cover this instead?
If you pre-qualify and want to continue, review your final offer, including your payments and total loan cost, before you sign.
A title loan is secured against your vehicle. If payments stop, the vehicle can be repossessed. That is the reason calling early matters, and we would rather say it plainly than let you find out later.
Call us before your due date, not after. We would rather rework a payment than charge you for missing one, and we may be able to arrange something.
Any repossession happens under your state’s law, which also sets the protections you have.
Frequently Asked Questions
Does Using the Calculator Affect My Credit Score?
No, the calculator doesn’t ask for personal details, and it isn’t a loan application. Applying does not affect your FICO® Score.
What Is the Average APR on a Title Loan?
Around 300% APR is what the Consumer Financial Protection Bureau’s 2016 review reported for single-payment title loans. State law varies, and that figure is not a rate from Swift Title Loans.
What Disqualifies You for a Title Loan?
Usually, it’s one of these problems, and our title loan requirements list everything we ask for:
- The title isn’t in your name and can’t be put in your name. To avoid this, transfer the title first or have the titled owner apply with you.
- You still owe too much on the car.
- The car is worth too little to support a loan.
- You can’t show income to repay the loan.
- You’re under 18.
