Swift Title Loan

Sign up by noon, get cash today!

Bad credit & past bankruptcies? All welcome!

How much can I borrow?

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Easily apply online

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Get cash and keep your car

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Repay loan and get title back

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Home Chattanooga

Title Loans in Chattanooga, 37402

How It Works in Chattanooga, TN

Getting the cash you need is quick and simple with our title loan process

01

Apply in Minutes

Apply online or give us a call. No mountains of paperwork!

02

Use Your Car Title

Your vehicle stays with you; we just hold the title as collateral.

03

Get a Quick Evaluation

We’ll estimate your loan based on your car’s value and your ability to repay.

04

Sign & Drive

Once approved, sign your agreement and leave with cash the same day.

Usually there’s no credit check required, and you can borrow from $2,500 up to $50,000, depending on your vehicle. Whether it's for an emergency or unexpected bill, we’re here to help you move forward—fast.

Title Loans in Tennessee: Regulations & Key Details

Loan Amount Range (Min-Max) Fees & APR % Repayment Terms Unique State Law Conditions
$50 - $25,000 Up to 24% per month Typically 30 days; extendable Must be registered with the Tennessee Department of Financial Institutions

Tennessee law allows borrowers to secure title loans ranging from $50 to $25,000, providing a flexible solution for those in urgent need of cash. Lenders may charge fees of up to 24% per month, emphasizing the importance of understanding the total cost of borrowing. Repayment terms usually span 30 days, with options to extend if needed.

It's crucial to choose a licensed lender who adheres to Tennessee regulations outlined by the [Tennessee Department of Financial Institutions](https://www.tn.gov/finance/consumer-protection/information-for-consumers/consumer-resources.html). Swift Title Loans offers an easy online application process for a fast, no-obligation estimate to get you the funds you need quickly, especially if you’re dealing with credit challenges.

Why Choose Swift Title Loans?

Local Service

We proudly serve our community with personalized support.

Fast & Easy

Apply today and get cash in hand—often the same day.

Online Convenience

Start your application online and finish in minutes.

No Pre-Payment Penalties

Pay off your loan early without any extra fees.

No Hassle, No Credit Check

We focus on your car’s value, not your credit score.

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

Cash Loans

Quick Loans

Same Day  Loans

Bad Credit Loans

Installment Loans

No Credit Check Loans

Loans without credit check

Personal Loans For Bad Credit

Process

Apply by phone or at our office

Complete all necessary requirements

Get your money

Requirements

Car details

Personal details

Car title

Identification

References

Benefits

Keep driving your car

No prepayment penalties

No hidden fees

Quick funding

Personable service

Swift Title Loans – Chattanooga, TN

Address

712 Cherry St c, Chattanooga, TN, 37402

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Chattanooga, TN

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

2020 Nissan Frontier

2019 Honda Ridgeline

Loan Term24 month36 month
Estimated Vehicle Value$30000$32000
Loan Amount$4018$2973
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$291.19$179.67
Monthly Interest5.005.00
APR60.00%60.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Title Loan Offers for Apr 2025

Need fast cash in Los Angeles? Apply now to get exclusive April rates, no credit checks, and same-day funding.

How much can I borrow?

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Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where Can I Get a Title Loan in Chattanooga?

You can easily apply for a title loan online with Swift Title Loans for a quick, no-obligation estimate. You might also find lenders on major roads such as Broad Street or in areas like Downtown Chattanooga. Always ensure that you select a licensed lender that abides by Tennessee state laws.

What are the Loan Limits for Title Loans in Chattanooga, Tennessee?

The loan limits for title loans in Chattanooga, Tennessee are not specified by the state. The loan amount will depend on the appraisal value of your vehicle and your ability to repay the loan. Swift Title Loans provides loans ranging from a few hundred to a few thousand dollars.

Can I Get a Title Loan in Chattanooga if I Have Bad Credit?

Yes, you can apply for a title loan with Swift Title Loans even if you have bad credit. We consider various factors like the value of your vehicle and your repayment ability, not just your credit score.

What Documents Do I need to Apply for a Title Loan in Chattanooga?

Here are the documents you'll need:
  • A clear title of your vehicle
  • A government-issued ID
  • Proof of residence (for example, a utility bill)
  • Proof of income (for example, a paystub)

Can I Still Drive My Vehicle When I Take a Title Loan in Chattanooga?

Yes, with Swift Title Loans, you're able to keep driving your vehicle while repaying your title loan. We understand that your vehicle is crucial to your daily routines.

Are There Any Penalties for Prepayment with Swift Title Loans in Chattanooga?

Swift Title Loans does not penalize you for early payments, rather we encourage borrowers to pay back their loans ahead of time to reduce interest payments.

Can I Get a Title Loan in Chattanooga if I'm Unemployed?

Unemployment does not automatically disqualify you from receiving a title loan. Swift Title Loans considers different income sources, such as unemployment benefits, social security, or retirement income. Remember, if you have further questions or ready to start the process, consider applying online with us. Just think of it as a click and you're a step closer to needed funds.


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.

How much can I borrow?

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