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
You are here:
Own your vehicle in Louisville and thinking about a title loan?
You can use your car's title as collateral and keep driving it while you repay. We work with drivers across Jefferson County, from NuLu and the East Market District to Old Louisville, the Highlands, and the areas around the I-64 and I-65 interchange.
Kentucky changed how these loans work. After House Bill 726 in 2024, a title loan here is no longer a short-term title pledge; it is a licensed consumer installment loan you repay in fixed monthly payments, with no rollovers.
The rate is capped on a sliding scale, up to 36% a year on balances of $5,000 or less and lower on larger loans, and the most you can borrow is $15,000. That keeps the cost below states that set no limit.
How much you can get usually falls between 25% and 50% of your vehicle's value, based on what the car is worth and your ability to repay, not your credit score.
As an example, a $3,500 loan repaid over 12 months at the 36% cap would run about $350 a month, or roughly $4,204 in total. Your own rate may be lower.
With Swift Title Loans you can start the whole request from home and get a free estimate to compare against other offers before you commit.
If you move ahead, a few uploaded photos handle the vehicle check, so there is no store visit or in-person inspection.^ Approved funds can arrive the same business day.*
A title loan is a real obligation. Borrow only what you need, because if you fall behind and the car is sold for less than you owe, Kentucky law lets the lender pursue you for the difference.
The state also requires licensed lenders, full written cost disclosure, and written notice with a right to redeem your vehicle before any sale. Review the Kentucky title loan rules and your contract before you sign.
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.*
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. No store visit, no physical car inspection, no obligation^. Apply online, upload photos from your phone, and once approved, get funds as fast as the same business day.*
Here's a real example of a funded title loan from our branch:
2016 Toyota Corolla | 2018 Honda CR-V | 2019 Ford F-150 | |
| Estimated Vehicle Value | $9,000 | $16,500 | $27,000 |
| Mileage | 112,000 | 88,000 | 79,000 |
| Loan Amount | $2,500 | $6,000 | $11,000 |
| Loan-to-Value | 28% | 36% | 41% |
| Term | 12 monthly payments | 12 monthly payments | 12 monthly payments |
| Maximum APR (tier cap) | 36% | 29.04% | 27% |
| Monthly Payment | ~$251 | ~$583 | ~$1,056 |
| Total to Repay | ~$3,014 | ~$6,990 | ~$12,676 |
Each loan amount is 25% to 50% of the vehicle's value, and the cost uses Kentucky's legal rate caps under KRS 286.4-530 (up to 36% on loans of $5,000 or less, 29.04% from $5,001 to $10,000, and 27% from $10,001 to $15,000) on a 12-month installment. Your actual vehicle value, loan amount, rate, and payment will vary. These are estimates, not a quote.
| Rule | What Kentucky Allows |
|---|---|
| Interest cap | Tiered: up to 36% a year on loans up to $5,000, 29.04% on $5,001 to $10,000, and 27% on $10,001 to $15,000 |
| Maximum loan | $15,000 (no state minimum) |
| Loan type | Licensed consumer installment loan, repaid in fixed monthly payments, no rollovers (House Bill 726, 2024) |
| Regulator | Kentucky Department of Financial Institutions (DFI) |
| If you fall behind | Written notice and a right to redeem before any sale; surplus returned, but the lender can sue for a shortfall |
This is a summary. Read the full Kentucky title loan regulations for the details.
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.
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.
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.
We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply in multiple ways.
Title Loans
Same-Day Funding*
Bad Credit Loans
No Store Visit Loans
Apply online or at our office
Upload photos of your car
E-sign documents from home
Get funds deposited to your account
Car details
Personal details
Car title in your name
Government-issued ID
Vehicle photos
Proof of income
No store visit required
No physical car inspection
No prepayment penalties
No hidden fees
Quick funding
Same-day funding available*
Title Loan Offers for 2026
Need fast cash in KY? Apply online in 7 minutes.* No store visit, no car inspection.^ Same-day funding available.*
A title loan is fast, but it is a serious commitment: your car is the collateral, so if you fall behind on payments you could lose it. That is why it works best as a short-term fix for a real emergency, like an urgent car repair or a bill that cannot wait, and not for everyday spending.
Before you borrow, ask yourself a few simple questions. Do I really need this right now? Can I comfortably make the monthly payment? Is there a cheaper option, like a credit union or a payment plan, I could try first?
If a title loan is the right move, borrow only what you need and nothing more, because the smaller your loan, the less you pay back. We always show you the full cost up front, with no hidden fees and no prepayment penalty, so there are no surprises. For a neutral overview before you decide, the FTC explains how car title loans work.
Quick answers to help you feel confident about title loans.
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Fast Title Loans
Get pre-approved for your title loan in about 7 minutes.* Quick start, because your time is precious.
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.
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.