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 McAllen, 78504

How It Works in McAllen, 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.

Customer Reviews

Joseph L.
Joseph L.
Looking for the best place for car title loans in McAllen, I ended up here. Kole made the process quick and straightforward. They gave me a fair deal, and I felt respected throughout. Would love if they offered evening hours for working folks.
A Google U.
Needed auto money title loans cars for sale and found Swift Title Loans McAllen the best spot. Kole was friendly and professional, helping me understand my options. The waiting area could be a bit more comfortable for busy days.
Mary W.
Mary W.
I wasn’t sure what do I need to pawn my title, so I called Swift Title Loans McAllen. Kole was super patient and explained everything I needed to bring. The process was easy, and I felt well-informed. Maybe adding a checklist on their website would help new customers prepare better.
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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 – McAllen, Texas

Address

1903 W Nolana Ave #101b, McAllen, Texas, 78504

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in McAllen, Texas

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

2019 Toyota Prius

2020 Toyota Mirai

Loan Term24 month36 month
Estimated Vehicle Value$25000$35000
Loan Amount$4652$4078
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$204.09$122.22
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

256-bit SSl

TLS Security

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I get a Title Loan in McAllen, Texas?

You can easily apply for a Title Loan online through Swift Title Loans. With our fast and simple application process, we offer a no-obligation estimate. You may also find lenders along major streets like N 10th St or areas like Downtown McAllen, however, always ensure they are licensed and follow Texas state laws.

What are the basic requirements to get a Title Loan from Swift Title Loans in McAllen?

  • Proof of Texas residency—this could be a utility bill, lease agreement, or voter registration card.
  • A lien-free car title in your name.
  • A valid state-issued ID.
  • Proof of regular income—such as pay stubs, government benefits, or self-employment income.

How fast can I get a Title Loan in McAllen, Texas from Swift Title Loans?

You can get your funds as soon as the next business day. After submitting your online application, our team will review it swiftly, and once approved, your funds can be directly deposited into your account.

What happens if I can't repay my Title Loan in McAllen, Texas?

In case you're unable to repay, Texas state law permits lenders to repossess and sell your vehicle to recover the amount loaned. Swift Title Loans prioritizes open and clear communication to avoid such situations, and we may be able to adjust your payment plan to help you fulfill your obligation.

Are there any restrictions on how I can use a Title Loan in McAllen, Texas?

No, there are no restrictions on how you can use the funds from a Title Loan in McAllen. Whether it's an emergency medical expense, sudden auto repairs, or critical personal matters, Swift Title Loans is here to help you navigate through your financial challenges.

Can I get a Title Loan in McAllen, Texas from Swift Title Loans if I have bad credit?

Yes, at Swift Title Loans, your credit score is not a major factor. Our primary concern is the value of your vehicle and your ability to repay the loan. We understand emergencies can strike anyone, and believe everyone deserves a chance to obtain emergency funds.


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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Get pre-approved for your title loan in under 5 minutes. Quick start, because your time is precious.

How much can I borrow?

High Security

256-bit SSl

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