Title Loans in St. Louis

Missouri sets no minimum or maximum amount, so what you can borrow in St. Louis comes from your vehicle's value and your ability to repay, usually about 25% to 50% of the value, not your credit score. You also need to own the title free of other liens.

Across the Missouri loans we have funded, amounts have ranged from a few hundred dollars up to several thousand. For example, a Volkswagen Tiguan drew about $1,570.

Missouri does not cap the rate, so by law a title loan can reach about 300% a year. Swift Title Loans charges far less than that, and your exact rate depends on your vehicle and your ability to repay.

The charge applies again each time you renew, and from the third renewal on you must also pay down at least 10% of the original amount. There is no penalty for paying early, so clearing it sooner keeps your cost down. As an example, at our example rate a $1,000 loan carries about a $30 charge for 30 days.

You will need to show who you are, that the vehicle is yours, and that you can repay. Have these ready:

• A Missouri driver's license or state ID
• The vehicle title in your name, free of other liens
• Proof of income or ability to repay, such as pay stubs or bank statements
• Proof of a St. Louis-area address, like a utility bill
• Clear photos of your vehicle and its odometer

Everything uploads online, so there is no store visit and no physical inspection.^{^}

Because the loan is secured by your vehicle's title, falling behind can lead to repossession and sale of the vehicle. Missouri builds in some protections.

If the car is sold, any surplus above what you owe is returned to you, though you may still owe a shortfall if the sale does not cover the balance. From the third renewal on, you also pay down at least 10% of the original amount, which limits the rollover cycle. If money gets tight, reach out before your due date so we can talk through your options.

Either works. Most St. Louis borrowers do everything online, but our office is open if you would rather come in:

• 204 N 9th St #320, St. Louis, MO 63101, (314) 936-4720

Online, most people pre-qualify in under seven minutes,^* with no store visit and no physical inspection,^{^} and approved funds are sent by direct deposit.

Yes. Title loans in Missouri are governed by the Missouri Title Loan Law, and lenders must be licensed by the Missouri Division of Finance.

Missouri does not cap the rate, but it requires a clear title, limits the rollover cycle with a 10% principal paydown from the third renewal, and returns any sale surplus to you. You can confirm a lender's license with the Missouri Division of Finance before you borrow.