Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
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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
Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
Easily apply online
Get cash and keep your car
Repay loan and get title back
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Under Kentucky law, the maximum loan amount is $15,000. The exact amount you may qualify for depends on your vehicle's value and your ability to repay. Because the loan is secured by your vehicle, some borrowers with poor or limited credit may still qualify.
Kentucky changed its title loan laws in 2024 through House Bill 726 and no longer allows the traditional high-cost 30-day title loans that were common in the past. Today, any loan secured by a vehicle title must be structured as a multi-month installment loan with state-regulated interest rate caps of up to 36% APR.
While these rules provide stronger consumer protections and help keep costs lower than old-style title loans, this is still a serious financial commitment.
If you fail to make your payments, your vehicle may be repossessed. Before borrowing, consider lower-cost alternatives and use this type of loan only for short-term emergency expenses if necessary.
With Swift Title Loans, you can submit your request online and receive a free, no-obligation pre-approval estimate without visiting a store.^ Before signing any loan agreement, verify that the lender holds an active Consumer Loan Company license with the Kentucky Department of Financial Institutions (DFI).
Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.
Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.
Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.
Apply in 7 minutes.* Get cash as fast as the same business day when you apply before noon.*
Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.
Getting the cash you need is quick and simple with our title loan process
Complete a simple form from your phone or computer. No store visit, no appointment needed.^ 7 minutes for pre-approval.*
Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.^
Receive a loan estimate based on your car's value and your ability to repay. No obligation.
Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*
We specialize in fully online title loans, so Kentucky drivers handle every step from a phone or laptop. There is no store visit, and no physical inspection.^ Instead of bringing your car in, you upload photos for a virtual inspection, and you keep driving it while you repay.
Same-day funding is possible, but it depends on timing. If you apply before noon, send every document we ask for, and get approved that morning, qualified borrowers can be funded the same day, usually by direct deposit.* If we need more time to verify your details, funding can move to the next business day.
You repay online in fixed monthly installments, and there is no penalty for paying early.
Kentucky records vehicle titles and liens through your county clerk, using the state's electronic title system. While you repay, the lien sits on your title record.
When your loan is paid in full, we file the lien release, electronically or on paper, with your county clerk, and you receive a clear title in your name. A lien can only be released in the county where it was filed.
The electronic title record itself updates quickly; once the release is filed with your county clerk, your title can show as clear within a couple of business days.
Why the full timeline can take a few weeks: most of the wait is the payment hold, not the electronic system.
Many lenders hold off 7 to 10 days after a final payment to confirm it has fully cleared and will not be reversed before releasing the lien. In our experience, we release as soon as your final payment clears, so you are not left waiting longer than necessary.
You can review the steps through the Kentucky Transportation Cabinet.
These examples show typical loan amounts and costs received by other borrowers. Your loan amount, terms, and costs may vary based on your vehicle, income, and underwriting review.
2020 Buick Encore | 2022 Hyundai Accent | 2017 Subaru Forester | |
| Estimated Vehicle Value | $8,150 | $12,100 | $15,300 |
| Loan Amount | $2,000 | $3,000 | $3,500 |
| Loan-to-Value | 25% | 25% | 23% |
| Term | 12 monthly payments | 12 monthly payments | 12 monthly payments |
| Approx. APR | ~36% | ~36% | ~36% |
| Total to Repay | ~$2,402 | ~$3,603 | ~$4,204 |
Real Swift Title Loans vehicles funded in Kentucky. Each loan is under $5,000, so it uses the state's top tier of 3% a month (36% a year) on a 12-month installment. These are estimates, not a quote.
Kentucky repealed its standalone title pledge law in 2024. A loan secured by your vehicle is now a licensed consumer loan with a capped rate. Here is what the state controls.
| Rule | What Kentucky Allows |
|---|---|
| Interest cap | Tiered: up to 3% a month (36% a year) on loans up to $5,000, 2.42% a month (29.04% a year) on $5,001 to $10,000, and 2.25% a month (27% a year) on $10,001 to $15,000 |
| Maximum loan amount | $15,000 (no state minimum) |
| Loan term | No state minimum or maximum; set by your agreement, usually a few months up to about two years, repaid in fixed monthly installments |
| Loan structure | A licensed installment loan repaid over time, not a single-payment title loan |
| Rollovers | The old title loan rollover scheme was repealed; loans amortize on a fixed schedule |
| After default | You get written notice and may redeem the vehicle before sale (KRS 355.9-614). After a sale, any surplus is returned to you, but you stay liable for a deficiency if it sells for less than you owe |
| Regulated by | Kentucky Department of Financial Institutions |
Because Kentucky caps the rate, the examples below show the maximum rate for each loan size on a 12-month installment loan, calculated on a declining balance.
| You Borrow | Term | Max APR | Monthly Payment | Total to Repay |
|---|---|---|---|---|
| $1,000 | 12 months | 36.00% | $100.09 | $1,201.11 |
| $3,500 | 12 months | 36.00% | $350.32 | $4,203.88 |
| $7,500 | 12 months | 29.04% | $729.76 | $8,757.06 |
| $12,000 | 12 months | 27.00% | $1,151.20 | $13,814.36 |
Loans up to $5,000 use the 36% tier; larger loans fall into a lower tier, so their rate drops. Kentucky's tiered structure is set by KRS 286.4-530, and your actual rate depends on your loan amount and agreement, so read your contract closely.
Governing law: the Kentucky Consumer Loan Companies Act (KRS Chapter 286, Subtitle 4), with the rate schedule in KRS 286.4-530, enforced by the Kentucky Department of Financial Institutions. The old Title Pledge Lending law (KRS 286.10) was repealed by House Bill 726 in 2024.
Because your car is the collateral, borrow only what you need and be sure you can keep up with the payments.
Before you sign, review your full cost: the rate, any charges, the payment schedule, and the total due. Always confirm the exact numbers in your own contract.
There is no prepayment penalty, so paying off early lowers what you pay.
A few options can cost less than a title loan, especially with poor or no credit.
Many Kentucky credit unions offer small personal loans or auto refinancing at a lower cost, and they consider members with thin credit. Examples include Commonwealth Credit Union and L and N Federal Credit Union.
It is also worth asking a creditor for a payment plan or speaking with a nonprofit counselor through the National Foundation for Credit Counseling before you put your car on the line.
Quick answers to help you feel confident about title loans.
Title Loans. No Inspection.
Get a free quote in 7 minutes.* No store visit required.^ 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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