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, 78503

How It Works in McAllen, TX

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.

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, TX

Address

2123 S 10th St #10, McAllen, TX, 78503

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in McAllen, TX

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

2023 Kia Sorento

2019 Toyota Avalon

Loan Term24 month36 month
Estimated Vehicle Value$35000$25000
Loan Amount$4422$3832
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$320.47$231.58
Monthly Interest5.005.00
APR60.00%60.00%

*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

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Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I apply for a title loan in McAllen, Texas?

You can apply for a title loan in McAllen right here online with Swift Title Loans. Our fast, easy-to-use interface allows for no-obligation estimates and quick processing. If you prefer a physical location, lenders may also be located on major streets such as 10th Street or Pecan Boulevard. Remember to always choose a licensed lender that abides by state laws.

What are the legal loan limits for title loans in McAllen, Texas?

In Texas, there isn’t a specified cap on the amount you can borrow via a title loan. The loan amount will primarily depend on your vehicle's value and your ability to repay the loan. Swift Title Loans will work with you to provide a loan that suits your needs while keeping repay matters manageable.

What title loan regulations should I be aware of in McAllen, Texas?

As per Texas law, title loan lenders must be licensed within the state. The loan contract should be in a language you can understand and must clearly detail all terms, including the interest rate, repayment schedule, and consequences of non-payment.

How can I qualify for a title loan at Swift Title Loans if I have bad credit?

Swift Title Loans bases the approval process on the condition and value of your vehicle, not your credit history. Even if you have bad credit or no credit, you can still potentially get a title loan if you own a qualifying vehicle.

I am in a financial emergency. How quickly can I access funds from Swift Title Loans in McAllen, Texas?

Swift by name and swift by nature, we understand that in an emergency, you need funds as quickly as possible. Once approved, you could receive your funds within as little as a few hours, or the next business day at the latest.

What documents do I need to apply for a title loan in McAllen, Texas with Swift Title Loans?

To apply for a title loan with Swift Title Loans, you'll need the following documents:
  • A clean car title registered in your name
  • Proof of income (pay stubs, job letter, bank statements, etc.)
  • Proof of Texas residency (utility bills, lease/mortgage


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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Fast Title Loans

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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