Swift Title Loan

Get a title loan near you!

All Credit Histories Considered!

Visit Our Branches (888) 557-7115
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Easily application process

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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 Tampa

How It Works

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

01

Visit Your Branch

Stop by your nearest Swift Title Loans branch or call us at (888) 557-7115. No appointment needed, just walk in.

02

Bring Your Documents

Bring your vehicle, your vehicle title, a valid government-issued ID, and proof of income. Our team will inspect your car at the branch.

03

Get Approved on the Spot

Our team reviews everything in person and gives you a fast approval decision on the spot, based on your car's value and your ability to repay.

04

Receive Your Cash

Once approved, walk out with your cash the same day. Keep driving your car while you repay. Same-day funding available.*

Bad credit or past bankruptcy? All welcome. Borrow up to 50% of your car's value based on your vehicle's equity, your ability to repay, and state regulations. A quick in-person review at your local branch, no obligation. Visit your nearest branch, our team handles everything in person, and once approved, get funds as fast as the same business day.*

Locations in Tampa

2119 E Hillsborough Ave c1
Tampa, FL 33610
(813) 590-5373
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7615 N 56th St #1
Tampa, FL 33617
(813) 491-1430
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Florida Title Loan Regulations and Key Details

Florida writes its title loan rules into a single statute, the Florida Title Loan Act at Chapter 537, Florida Statutes. The Act caps interest by loan size, fixes the term at 30 days, and spells out what a licensed lender must do before and after a repossession.

Florida Title Loan Rules at a Glance

Rule What Florida Allows
Legal structure A loan under the Florida Title Loan Act, made by a state-licensed lender
Interest cap 30% per year on the first $2,000 of principal, 24% per year on the part from $2,000.01 to $3,000, and 18% per year above $3,000 (§ 537.011)
How interest is computed Simple interest only; a 30-day month is charged one twelfth of the annual rate
Amount No state minimum and no state maximum
Term 30 days, extendable in 30-day periods by mutual consent (§ 537.011)
Extensions The rate can never exceed the original agreement, and unpaid interest cannot be capitalized into the principal
Prepayment No prepayment penalty at any time (§ 537.013)
Repossession Only after 30 days past maturity or extension with no payment, and only through a licensed repossession agent (§ 537.012)
Sale of the vehicle 10 days written notice with a full accounting first, and you may redeem the car any time before the sale
After a sale Proceeds above what you owe come back to you within 30 days, and the Act gives no claim to a deficiency

What a Title Loan Costs in Florida

Because the cap is an annual rate that steps down as the amount grows, a 30-day period costs one twelfth of the yearly figure, and a larger loan carries a lower blended APR.

On $2,000 the math runs 30% divided by 12, or 2.5% for the month, which is $50. On $5,000 the first $2,000 is charged at 30%, the next $1,000 at 24%, and the last $2,000 at 18%, blending to 24% for the year.

The table shows the statutory maximum, not a quote; what a lender offers you depends on your vehicle, the amount, and the term.

You Borrow Period Maximum Charge Total Due at End of Period APR at That Maximum
$1,000 30 days $25 $1,025 ~30%
$3,000 30 days $70 $3,070 ~28%
$5,000 30 days $100 $5,100 ~24%

Renewing repeats the charge on the same principal, so a $3,000 loan extended through three months would cost $210 in interest at the maximum.

Consumer Protections in Florida

Governing law: the Florida Title Loan Act at Chapter 537, Florida Statutes. The rate tiers and the 30-day term sit in section 537.011, and the repossession, notice, and surplus rules sit in section 537.012. Lenders are licensed and examined by the Florida Office of Financial Regulation, which also takes borrower complaints.

Why Choose Swift Title Loans?

Friendly In-Person Service

Visit your nearest Swift Title Loans branch and our friendly team will help you in person, no waiting in line.

No Physical Car Inspection

Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.

Bad Credit? All Welcome.

Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.

Same-Day Funding Available

Get approved on the spot. Walk out with cash as fast as the same business day when you visit before noon.*

Free Service. No Obligation.

Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.

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

Same-Day Funding*

Bad Credit Loans

Local Branch Service

Process

Visit your nearest branch

Upload photos of your car

E-sign documents from home

Get funds deposited to your account

Requirements

Car details

Personal details

Car title in your name

Government-issued ID

Vehicle photos

Proof of income

Benefits

Friendly in-person service

No physical car inspection

No prepayment penalties

No hidden fees

Quick funding

Same-day funding available*

Example of Title Loans Funded in

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

2017 Chevrolet Traverse

2018 Honda Fit

Loan Term24 month36 month
Estimated Vehicle Value$25000$19000
Loan Amount$5849$5392
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$441.23$343.49
Monthly Interest5.425.42
APR65.00%65.00%

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

Title Loan Offers for 2026

Need fast cash in Tampa? Visit your nearest Swift Title Loans branch or call (888) 557-7115. Get approved on the spot with same-day funding available.*

Visit Our Branches (888) 557-7115

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

### Title Loans in Tampa, Florida: Frequently Asked Questions Q1: What are the eligibility requirements for getting a title loan in Tampa?

To qualify for a title loan in Tampa, Florida, you typically need to meet the following criteria: - Be at least 18 years old. - Own a vehicle that is free of any liens or outstanding loans. - Provide proof of income and residency. - Have a valid government-issued ID. Make sure to choose a licensed lender, like Swift Title Loans, that complies with all state regulations. --- Q2: What types of vehicles can I use to secure a title loan in Tampa?

### Title Loans in Tampa, Florida: Frequently Asked Questions Q1: What are the eligibility requirements for getting a title loan in Tampa?

You can use various types of vehicles to secure a title loan, including: - Cars - Trucks - SUVs - Motorcycles - RVs The vehicle’s condition and market value will play a role in determining your loan amount. Contact Swift Title Loans for a quick valuation! --- Q3: How much money can I borrow with a title loan in Tampa, Florida?

### Title Loans in Tampa, Florida: Frequently Asked Questions Q1: What are the eligibility requirements for getting a title loan in Tampa?

The amount you can borrow depends on your vehicle's value and your ability to repay. For a personalized estimate, visit a Swift Title Loans branch in Tampa or call (888) 557-7115. --- Q4: How quickly can I get cash from a title loan in Tampa?

### Title Loans in Tampa, Florida: Frequently Asked Questions Q1: What are the eligibility requirements for getting a title loan in Tampa?

You can often receive cash on the same day you apply for a title loan with Swift Title Loans. After a quick vehicle inspection and approval of your application, funds can be disbursed almost immediately. Don’t wait for your financial needs—apply today! --- Q5: What documentation is needed to apply for a title loan in Tampa?

### Title Loans in Tampa, Florida: Frequently Asked Questions Q1: What are the eligibility requirements for getting a title loan in Tampa?

When applying for a title loan in Tampa, you generally need to provide the following documents:
  1. Vehicle title in your name
  2. Government-issued ID (such as a driver's license)
  3. Proof of income (pay stubs, bank statements, etc.)
  4. Proof of residence (utility bill, lease agreement, etc.)
  5. Insurance information for the vehicle (if applicable)
Contact Swift Title Loans if you have questions about documentation—our team is here to help! ---


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.

Visit Our Branches (888) 557-7115
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207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449

Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief, not as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.

Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.

USA PATRIOT ACT, ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.

About branch visits and vehicle review: When you visit a Swift Title Loans branch, our team reviews your vehicle in person, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require additional steps by law for title verification. Loan availability, terms, and approval depend on state law and individual qualifications.

If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.

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