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Title Loans in Indiana

In a Nutshell: Car Title Loans in Indiana

Title loans are legal in Indiana and are regulated by the Indiana Department of Financial Institutions (DFI). They are made under the supervised loan provisions of the Indiana Uniform Consumer Credit Code, which was recodified on 1 July 2026 as Title 37, Article 2.

Indiana caps the price. Under IC 37-2-4-35 the finance charge may not exceed the greater of two limits: a tiered rate of 36% a year on unpaid balances up to $2,600, 21% on the part between $2,600 and $5,200, and 15% on the part above $5,200 — or a flat 25% a year on the unpaid balance.

Because the tiers apply to the unpaid balance, these are installment loans that you pay down over time, not single-payment balloon loans. You can pay off early at any time without a penalty.

Key Takeaways: Title Loans in Indiana

  • Use your vehicle title as collateral and keep driving your car.
  • Approval is based mainly on your vehicle and income, with less emphasis on credit history.
  • Visit your nearest Swift Title Loans branch in Indiana for a free, no-obligation estimate.
  • Bring a clear vehicle title, proof of income, and a valid ID to your in-branch visit.
  • Title loans carry high APRs — use them for short-term needs and make timely payments to avoid repossession.
  • Have questions? Call us at (888) 557-7115 or stop by your local branch.

Indiana Title Loan Regulations and Key Details

Indiana Title Loan Rules at a Glance

Rule What Indiana Allows
Legal structure Supervised loan under the Indiana Uniform Consumer Credit Code (IC 37-2-4); lenders licensed by the Indiana Department of Financial Institutions
Rate cap The greater of 36% / 21% / 15% a year (tiered by unpaid balance: up to $2,600, $2,600–$5,200, above $5,200) or 25% a year (IC 37-2-4-35)
Prepaid finance charge Nonrefundable charge of no more than $75 (principal $2,000 or less), $150 ($2,000 to $4,000) or $200 (above $4,000) (IC 37-2-4-35(h))
Loan structure Precomputed loans are prohibited — you pay down the unpaid balance in installments
Refinancing Refinancing and consolidation are permitted (IC 37-2-4-8, 37-2-4-9). If the same lender pays off your loan with a new one within 3 months, no new nonrefundable prepaid finance charge may be added, and no more than two such charges in any 12 months (IC 37-2-4-35(j))
Late fee Up to $25 on an installment unpaid 10 days after it is due ($5 where installments fall due every 14 days or less) (IC 37-2-4-6(a)(2))
Returned payment Up to $25
Prepayment No penalty
Repossession Permitted on default
Criminal prosecution Not permitted over an unpaid title loan

What a Title Loan Costs in Indiana

The table below shows a 12-month installment loan at Indiana's maximum permitted finance charge. These are the statutory ceiling, not a quote — your own agreement will show your exact rate and total.

The figures are interest only. A nonrefundable prepaid finance charge of up to $75, $150 or $200 (by loan size) may be added on top, and must appear in your written disclosure.

Loan amount Term APR Finance charge Total repaid
$1,000 12 months 36.0% $206 $1,206
$3,000 12 months 35.5% $608 $3,608
$5,000 12 months 31.9% $906 $5,906

Consumer Protections in Indiana

Every Indiana title lender must hold a licence from the Department of Financial Institutions, and you can check one before you borrow on the Indiana Department of Financial Institutions licence search.

Under the federal Truth in Lending Act the lender must give you the APR and the total cost in writing before you sign. You can repay in full at any time with no prepayment penalty, a returned-payment charge is capped at $25, and you cannot be criminally prosecuted over an unpaid title loan. Complaints go to the Indiana Department of Financial Institutions.

Get a Title Loan in Indiana — Stop By Your Nearest Branch

Indiana residents can get started with Swift Title Loans in person. Visit your nearest branch with your vehicle, its title, proof of income, and a valid ID. A team member will inspect your vehicle, review your paperwork, and walk you through our simple 3-step branch process. If approved, you may get same-day cash, subject to lender policies. Prefer to talk first? Call us at (888) 557-7115.

Why Choose Swift Title Loans?

Visit Your Nearest Branch

Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.

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

Apply in 7 minutes. Get cash as fast as the same business day when you apply 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.

Experience a title loan process that’s quick, local, and built around your needs

(888) 557-7115 Visit Our Branches

Our locations in Indiana

If you've found yourself in a difficult financial position and need access to cash, you may qualify for a title loan at your nearest branch. Check the requirements and stop by to get started!

We can provide you with a quick cash fix if you live in the following cities:

A

B

C

D

E

F

G

H

I

J

K

L

Lafayette

M

N

O

P

Q

R

S

T

U

V

W

X

Y

Z

How It Works in Indiana

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

01

Apply in Minutes

Complete a simple form from your phone or computer. A quick branch visit, no appointment needed. 7 minutes for pre-approval.

02

Submit Photos & Documents

Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.

03

Get Your Free Quote

Receive a loan estimate based on your car's value and your ability to repay. No obligation.

04

Sign & Drive

Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*

Example of Title Loan Funded in Indiana

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

2021 Ford Maverick

2020 Ford Expedition

Loan Term24 month36 month
Estimated Vehicle Value$11178$15243
Loan Amount$4942$3724
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$402.92$237.23
Monthly Interest6.255.42
APR75.00%65.00%

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

Borrowing Responsibly in Indiana

Before you sign, be clear on the payment, the number of payments, and the total you will have paid when the schedule ends. The figures in your own agreement are the ones that count, not the examples on any website — ours included.

Other Options Worth Comparing

A title loan is one way to cover a shortfall, and it is worth putting it next to a few alternatives before you commit your car's title. A credit union small-dollar loan, a payment plan negotiated directly with the biller, a paycheck advance from your employer, or help from a local assistance programme will often cost less. If none of those work, borrow the smallest amount that solves the problem and pay it off as quickly as your budget allows.

Keep your vehicle in the picture too. The title is the security, so a loan you cannot repay puts the car you rely on at risk — and in most cases that car is worth considerably more than the loan.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What is the maximum interest rate on a title loan in Indiana?

Indiana caps the finance charge at the greater of a tiered rate — 36% a year on unpaid balances up to $2,600, 21% from $2,600 to $5,200 and 15% above $5,200 — or 25% a year on the unpaid balance, under IC 37-2-4-35.

Are there fees on top of the interest?

A one-time nonrefundable prepaid finance charge is allowed, capped at $75 for loans of $2,000 or less, $150 from $2,000 to $4,000 and $200 above $4,000. A late fee of up to $25 and a returned-payment charge of up to $25 may also apply.

Do I repay in one lump sum?

No. Precomputed supervised loans are prohibited in Indiana, so a title loan is paid down in installments and the finance charge runs on the unpaid balance.

Can I pay my Indiana title loan off early?

Yes. Indiana does not allow a prepayment penalty, so you can repay the full balance at any time and stop further finance charges from accruing.

Can I refinance my title loan?

Yes, refinancing and consolidation are permitted. If the same lender refinances you within 3 months, it cannot add a new nonrefundable prepaid finance charge, and it can charge no more than two of them in any 12 months.

How do I check that a lender is licensed in Indiana?

Search the Indiana Department of Financial Institutions licence search. Every Indiana title lender must hold a supervised lender licence, and complaints are handled by the same department.

Visit a Branch. Get Cash Fast.

Car title loans at a branch near you. A quick in-person visit, same-day funds available.*

Visit Our Branches (888) 557-7115
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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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