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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Title Loans in Downey, 90240

How It Works in Downey, CA

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 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?

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.

Customer Reviews

lisa t
lisa t
Swift Title Loans provided outstanding service when I needed a car title payday loan. Their seamless process and responsive team made obtaining the loan quick and stress-free, giving me the financial relief I needed with ease.
Jerry T.
Jerry T.
The quick and easy car title loans provided by this company exceeded my expectations, offering a streamlined process, fair terms, and prompt approval. The efficiency and transparency of obtaining quick and easy car title loans made the entire experience with this service positive and reliable during a financial need.
Jeremiah
Jeremiah
Securing a loan with a clear vehicle title was made possible with their help. The process was professional and efficient. Their guidance allowed me to navigate the paperwork with ease. I'm grateful for their assistance during a financially challenging time.
James V. C.
James V. C.
Unexpected expenses can catch you off guard, and that's when this Downey-based loan company becomes a lifesaver. Their additional cash loans proved instrumental in covering a sudden home repair expense without causing financial strain. While their interest rates might be slightly elevated, the quick and efficient service more than compensates. Kudos to the team for their commendable work!
Brent R.
Brent R.
Unexpected bills led me to consider immediate payday loans. I was able to acquire the money from a weekend $255💰 payday loan online the very same day due of the availability of such loans from financial organizations. The next day was the deadline. Used title loans for ancient autos.
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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 – Downey, CA

Address

10020 Tecum Rd #11, Downey, CA, 90240

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Downey, CA

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

2016 Toyota Sienna

2019 Kia Rio

Loan Term24 month36 month
Estimated Vehicle Value$23000$15000
Loan Amount$3390$2608
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$245.68$157.61
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?

High Security

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Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I apply for a title loan in Downey, California?

You can conveniently apply for a title loan in Downey, California online on Swift Title Loans' website for a fast, no-obligation estimate. The city also has numerous lenders with physical locations along Lakewood Boulevard and Firestone Boulevard. But remember, always ensure to choose a licensed lender like Swift Title Loans that adheres to California state regulations.

What are the maximum title loan limits in Downey, California?

California state law allows title loan amounts up to $25,000, depending on the value of your vehicle and your ability to repay. Swift Title Loans provides loans starting from $2,600. It's important to borrow only what you need and can comfortably repay.

Are title loans in Downey, California suitable for individuals with bad credit?

Absolutely! Swift Title Loans considers all credit types, including bad credit. While your credit score is a consideration, the main requirements are a vehicle title in your name and proof of income to repay the loan.

What documents do I need for a title loan in Downey, California?

Applying for a title loan in Downey, California with Swift Title Loans requires the following documents:
  • A clear vehicle title in your name
  • A government-issued ID (like a driver's license)
  • Proof of income (e.g., pay stubs, benefits statements, etc.)
  • Proof of residence (e.g., recent utility bill or lease agreement)

What's the process to apply for a title loan in Downey, California?

First, fill out an online form on Swift Title Loans' website. Then, one of their loan specialists will contact you to discuss loan details. After document review and vehicle appraisal, if approved, funds can be transferred into your bank account, often on the same business day.

How can I spend my title loan funds in Downey, California?

You're free to use your title loan funds to cover any unexpected expenses or financial emergencies you may be facing. However, remember to borrow responsibly and make a plan to repay the loan.

Is it possible for me to pay back my title loan early in Downey, California?

With Swift Title Loans, there


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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?

High Security

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