Swift Title Loans
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Swift Title Loans
Sign up by noon, get cash today!*
Bad credit & past bankruptcies? All welcome to apply!
Apply in Minutes
Send Documents & Vehicle Photos
Review Your Offer & Get Funded
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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.
| 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 |
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 |
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.
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.
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.
Quick answers to help you feel confident about title loans.
Title loans made simple.
Get a free quote online in 7 minutes,* or visit a location near you. Same-day funds available.*
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. They are not designed to serve as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Online applicants should be aware that 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.
*Completing the online request may take about seven minutes. Funding is subject to approval, document review, and receipt of all required signed documents submitted before noon local time on a business day.
^About “no store visit” and “no inspection”: These terms mean no in-person store visit or walk-around vehicle inspection at a branch. Applicants are still required to submit photos and/or videos of the vehicle, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require an in-person visit by law for title verification, and we may require an in-person inspection if vehicle condition cannot be fully assessed from photos or videos. Loan availability, terms, and approval depend on state law and individual qualifications.
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