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 Merced, 95348

How It Works in Merced, CA

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.

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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 California: Regulations & Key Details

Understanding Title Loans in California

In California, title loans are a popular option for those needing quick cash, especially for individuals with bad credit. Swift Title Loans offers a streamlined process to apply online for fast, no-obligation estimates. It’s crucial to select a licensed lender that complies with state regulations.

Key Loan Details

Loan Amount Range Fees & APR % Repayment Terms Unique State Law Conditions
$2,500 - $50,000 Fees can reach up to 15% per month; APR can exceed 200% depending on fees. Repayment terms typically range from 30 days to 3 years. California law mandates that the total cost of the loan be disclosed upfront. Lenders must provide a 24-hour cooling-off period.

Legal Regulations

California law requires that title lenders adhere to strict guidelines. The California Department of Financial Protection and Innovation oversees title loans under the California Financing Law. Ensure you review the official regulations for more information as outlined by the [California Department of Financial Protection and Innovation](https://dfpi.ca.gov).

Choosing a licensed lender ensures your rights as a borrower are protected. Always read the loan agreement in full and understand the total cost before signing. Apply today with Swift Title Loans to secure the funds you need quickly and easily.

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

Ange florence N.
Ange florence N.
Securing a car title loan was a breeze! Navigating through the process with this lending firm was seamless, and I received a reasonable sum for my car title. With my poor credit history, this was a lifeline. Plus, their offer was based on Kelley Blue Book value.
Fredrick S.
Fredrick S.
Swift Title Loans also does great with commercial title pawn loans,it helped me acquire some cash for my emergency expences.
Robert S.
Robert S.
Swift Title Loans has a long line of history for same day title loans, with their great customers satisfaction reviews they are the best in what they do.
Frank S.
Frank S.
I have been a delighted client of Swift Title Loans for many years. The manager and all the staffs at title car loan near me have always been really helpful and courteous. They have been my go to for cash and go title loans.👍🙏
Margarita R.
Margarita R.
During a financial emergency, this loan company's emergency car title loans in Merced provided much-needed peace of mind. Their compassionate team ensured I had the funds I needed when I needed them most. Grateful for their help!
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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 – Merced, CA

Address

492 W Olive Ave unit 300, Merced, CA, 95348

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Merced, CA

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

2020 Hyundai Santa Fe

2018 Volkswagen Atlas

Loan Term24 month36 month
Estimated Vehicle Value$28300$26500
Loan Amount$3085$5653
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$223.57$341.64
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

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 Merced, California?

You can conveniently apply for a Title Loan online with Swift Title Loans for a fast, no-obligation estimate. Also, major streets like Yosemite Avenue or areas like Bear Creek might have physical lenders, but remember to choose a licensed lender who adheres to California state laws.

What documents do I need to apply for a Title Loan in Merced with Swift Title Loans?

  • Your vehicle's title
  • Proof of residence (Recent utility bill or lease agreement)
  • Proof of income (Bank statements, Pay Stubs)
  • Government-issued identification (Driver's License or ID)

What are the loan limits for Title Loans in Merced, California?

Title Loan amounts range from $2,500 to $20,000 in California, but the exact amount you can borrow depends on the value of your vehicle and your ability to repay the loan.

Can I get a Title Loan in Merced with bad credit?

Yes, you can! Swift Title Loans focuses more on the value of your vehicle and your ability to repay rather than your credit history.

What happens if I can't pay my Title Loan in Merced?

If you're finding it difficult to make payments, contact Swift Title Loans immediately. We're here to help and can discuss possible solutions and extensions. However, as a last resort, failure to repay may result in the repossession of your vehicle as stated under California law.

How quickly can I get money from a Title Loan in Merced?

With Swift Title Loans, you can get your money as quickly as the same day you apply! Our online process is easy and efficient, designed to get emergency funds in your hands as soon as possible.

What happens with my car when I take a Title Loan in Merced?

You get to keep using your car like normal! While Swift Title Loans becomes the lienholder of the title during the repayment period, you retain full use of your vehicle. Remember, Swift Title Loans is your go-to solution for Title Loans in Merced, California. If you need emergency money, don’t hesitate - apply for a Title Loan online with


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

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