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 El Cajon, 92021

How It Works in El Cajon, 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.

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 – El Cajon, CA

Address

856 N 2nd St #21, El Cajon, CA, 92021

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in El Cajon, CA

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

2015 Hyundai Santa Fe

2022 Chevrolet Spark

Loan Term24 month36 month
Estimated Vehicle Value$18000$13000
Loan Amount$3446$2637
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$249.73$167.99
Monthly Interest5.005.42
APR60.00%65.00%

*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.

What is the maximum amount I can borrow with a title loan in El Cajon, CA?

In California, the maximum amount you can borrow with a title loan is generally determined by the value of your vehicle, up to a cap of $5,000. However, some lenders may have different limits. At Swift Title Loans, we’ll assess your vehicle’s market value to determine how much you can qualify for. ####

Can I still qualify for a title loan in El Cajon with bad credit?

Yes, you can qualify for a title loan in El Cajon even with bad credit. Title loans are mostly secured by your vehicle, which means that your credit history is less of a factor in the approval process. At Swift Title Loans, we focus on your vehicle's value and your ability to repay the loan rather than your credit score. ####

What documents do I need to apply for a title loan?

When applying for a title loan in El Cajon, you will need to provide the following documents:
  1. Your vehicle title (must be in your name)
  2. A valid form of identification (e.g., driver’s license or state ID)
  3. Proof of income (pay stubs, bank statements, etc.)
  4. Proof of residence (utility bill, lease agreement, etc.)
  5. A set of vehicle keys
Ensure that your title is clear of any liens. Swift Title Loans can assist you with the application process to ensure you have everything required. ####

How quickly can I receive funds from a title loan in El Cajon?

At Swift Title Loans, we strive to provide funds as quickly as possible, often within the same day. Once your application is approved and you provide the necessary documentation, you could receive your cash within hours. ####

Where can I get a title loan in El Cajon?

You can apply for a title loan online with Swift Title Loans for a fast, no-obligation estimate. Additionally, you can find various licensed lenders throughout El Cajon, particularly around major thoroughfares such as East Main Street and Avocado Boulevard. Always choose a licensed lender to ensure compliance with state regulations. ####


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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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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