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 Houston, 77003

How It Works in Houston, Texas

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 Texas: Regulations & Key Details

Loan Amount Range Fees & APR % Repayment Terms Unique State Law Conditions
$1,500 - $10,000 300% APR maximum 30 days (can be renewed) Must comply with Texas Finance Code, Chapter 347

In Texas, title loans are regulated under the Texas Finance Code, specifically Chapter 347. Borrowers can expect loan amounts ranging from $1,500 to $10,000, with an APR that can reach up to 300%. Repayment terms generally are set for 30 days, but loans can be renewed if necessary.

It's crucial to select a licensed lender adhering to these regulations to ensure consumer protection. For those in urgent need of funds, Swift Title Loans offers a fast, no-obligation estimate for potential borrowers.

Major cities like Houston, Dallas, and Austin have a variety of licensed lenders ready to assist you with your financing needs. Apply online today to explore your options!

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 – Houston, Texas

Address

1602 Emancipation Ave #305, Houston, Texas, 77003

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Houston, Texas

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

2017 Hyundai Kona

2018 Jeep Compass

Loan Term24 month36 month
Estimated Vehicle Value$18000$22000
Loan Amount$3060$5057
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$134.25$151.56
Monthly Interest0.420.42
APR5.00%5.00%

*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 sets Swift Title Loans apart from other lenders in Houston, Texas?

Swift Title Loans stands out for our fast online application, competitive rates, and commitment to meeting the needs of borrowers with bad credit. Our entire process is fully transparent, and our loan representatives adhere strictly to state regulations to ensure a trustworthy service.

Can I apply for a title loan in Houston if I have bad credit?

Yes, you absolutely can! Swift Title Loans understands that people may be facing financial emergencies or have bad credit. That’s why we are committed to providing title loans to individuals regardless of their credit score. Your vehicle's title serves as collateral, which means your credit rating is not the primary factor in our lending decision.

What documents do I need to apply for a title loan with Swift Title Loans in Houston?

To ensure a smooth loan process, prepare the following documents when you apply:
  • Your vehicle’s title
  • Proof of income (pay stubs, paycheck receipts or bank statements)
  • Proof of residence (utility bill or lease)
  • Government-issued ID (driver’s license or passport)
Rest assured, our loan representatives value your confidentiality and privacy in handling these documents.

How quickly can I receive funds once my title loan application is approved?

Upon approval of your title loan application, Swift Title Loans strives to provide funds the same business day or the next business day at the latest. We understand the urgency of emergency funds, which is why we work quickly to assess your application.

Are there any restrictions on the use of funds from a title loan in Houston?

No, there are no restrictions! At Swift Title Loans, we believe in giving our customers the freedom to use their loan funds as they see fit. Whether for house repairs, medical expenses, or other emergencies, the choice is yours.

What happens if I cannot make a repayment on time?

Swift Title Loans advises all clients to contact us immediately in case of difficulty in repaying the loan. We value our client relationships and strive to provide feasible solutions, which may include restructuring the loan. We operate with full transparency and fairness, in line with local regulations in Houston, Texas.

Where can I apply for a title loan in Houston, Texas?

You can apply right here online


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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How much can I borrow?

High Security

256-bit SSl

TLS Security

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