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 Modesto, 95350

How It Works in Modesto, 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.

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 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.

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 – Modesto, CA

Address

1526 McHenry Ave UNIT 101A, Modesto, CA, 95350

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Customer Reviews

guian P.
As anyone who has attempted to obtain a loan due to poor credit knows, it is not a simple task. This time, the procedure wasn't annoying because someone offered assistance rather than simply refusing.
Frances J
I needed emergency money and looked for quick, no-credit-check loans. I didn't have to worry about my credit score influencing the decision, and the approval process went more quickly than I had anticipated.
Latif R.
I was pleasantly surprised to find a service offering salvage title loans near me that didn’t make the process complicated. They were professional and efficient, helping me secure the funds I needed quickly.
Brent H.
I had no trouble borrowing money against my automobile thanks to this loan provider. I liked having the freedom to select the auto title loan amount, and the process was simple. A dependable option when you require immediate financial support.
farhad N.
Swift Title Loans made pawn title loans near me a breeze. Quick approval, fair terms, and a convenient location, they are my top choice for anyone in need of reliable financial assistance through pawn title loans.
Julian B.
When I asked my new neighbors about finding car title loans near me, they told me exactly where to go. Just around the corner from my new house is a Swift Title Loans office. They took care of everything quickly for me and made it a real nice experience.

Example of Title Loan Funded in Modesto, CA

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

2021 Toyota Camry

2017 Kia Stinger

Loan Term24 month36 month
Estimated Vehicle Value$30000$22000
Loan Amount$4286$2743
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$310.61$165.77
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?

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Cash Loans in Modesto, CA – Get Fast Cash Now


Cash Loans – Key Takeaways:

  1. Borrow up to $50,000 using your car’s title as collateral while keeping your vehicle.
  2. No credit checks required for certain loans; if needed, credit checks are not the main factor for approval.
  3. Flexible repayment terms between 2-4 years with no prepayment penalties.
  4. Receive funds the same day if you apply early.
  5. Visit us at 1526 McHenry Ave UNIT 101A, Modesto, CA 95350.

Discover Modesto in California’s Central Valley

Modesto, located in the heart of California’s Central Valley, is known for its rich agricultural heritage and diverse community. The city, with a population of over 218,000 residents, has a vibrant economy driven by agriculture, healthcare, and manufacturing

With a median household income of $62,707, Modesto offers a mix of suburban and urban amenities, making it a desirable place to live and work.
Source: U.S. Census.

Did you know? In Modesto, CA, where many rely on their vehicles to access jobs in the Central Valley’s agricultural fields, title loans are a popular way to get quick cash without giving up your car for work.


What is a Car Title Loan and How It Can Help Modesto Residents?

A car title loan allows you to use your vehicle’s title as collateral to secure quick cash. This is ideal for Modesto residents who may need emergency funds to cover unexpected expenses, even if they have bad credit.

You can borrow up to $50,000 based on your car’s value and proof of income.

The process is straightforward and quick, allowing you to get cash without any hassle:

  1. Apply Online or Visit Our Office: Complete a short application form.
  2. Get Approved: We assess your car’s value and proof of income (this doesn’t have to be a traditional paycheck).
  3. Receive Your Cash: Funds may be available the same day if you apply early.

Title Loan Requirements in Modesto, CA

To qualify for a car title loan, you’ll need to provide the following:

  • Vehicle Title: The title must be in your name, lien-free, or have minimal remaining balance.
  • Proof of Income: This can include pay stubs, Social Security statements, disability payments, or other income sources.
  • Proof of Residency: A utility bill or lease agreement showing a Modesto address.
  • Government-Issued ID: A valid driver’s license or state ID.
  • Vehicle Inspection: In some cases, we may need to inspect your car to determine its value.

Swift Cash Loans – Faster Than Ever!


Loan Services Available in Modesto, CA

In addition to car title loans, we offer various loan options tailored to meet your financial needs:

  • Loans Without Credit Check: Quick access to funds without a traditional credit check, perfect for borrowers with limited or no credit history.
  • No Credit Check Loans: Fast approval loans that don’t rely on your credit score. Approval is based on your income and the value of your collateral.
  • Installment Loans: For borrowers needing between $1,000-$5,000, with flexible repayment terms over 9-18 months. Great for managing larger expenses like medical bills or home repairs.
  • Same Day Loans: Need cash fast? These loans offer quick approval with minimal paperwork, allowing you to receive funds the same day you apply.
  • Quick Loans: Ideal for emergencies, our quick loans provide instant cash when you need it most, with funds available within hours.
  • Bad Credit Loans: Tailored for those with a poor credit history. These loans focus on your ability to repay rather than your past credit score.
  • Cash Loans: Small, short-term loans for immediate expenses, ranging from $100-$1,000. Perfect for covering unexpected bills or minor emergencies.
  • Personal Loans for Bad Credit: Flexible personal loans designed for individuals with bad credit, helping you access up to $5,000 with competitive rates.

Example of a Typical Car Title Loan in Modesto

Examples Toyota Camry 2017 Chevrolet Silverado 2019
Vehicle Value $14,000 $28,500
Title Loan Amount $4,500 $11,000
Loan Term 24 months 36 months
APR 86.75% 91.00%
Fees $90 $90
Monthly Payment $380 $850

Note: No prepayment penalties apply.


Frequently Asked Questions (FAQs)

Can I Get a Title Loan on a Car I’m Still Paying Off?
Yes, we can help you refinance your existing car loan, allowing you to use your vehicle’s remaining value to secure additional funds.

What If I Am Struggling to Repay My Title Loan?
Reach out to us as soon as possible if you’re facing difficulties. We can discuss options like restructuring your loan or extending your repayment period.

Is There a Prepayment Penalty on a Title Loan?
No, there are no penalties if you decide to pay off your loan early. Early repayment can save you on interest costs.

How Can I Refinance My Existing Title Loan?
If you have a title loan with another company, we can help you refinance it to get better terms. This may include extending your repayment period or lowering your monthly payments. Apply online today to see how we can help you improve your loan terms.

Can I Use a Title Loan Calculator to Estimate My Payments?
Yes! Use our Cash Loan Calculator to estimate your monthly payments and plan your budget effectively.

Title Loans in Modesto


Why Choose Us for Title Loans in Modesto?

  • Fast Approvals: Get approved within hours.
  • No Credit Checks for Certain Loans: Focus on your car’s value and proof of income.
  • Keep Driving Your Vehicle: Use your car’s title as collateral while continuing to drive it.
  • Same-Day Funding: Apply early to receive funds the same day.

Modesto Residents – Get Quick Cash Today!

If you’re a Modesto resident facing urgent financial needs, we’re here to help. Apply now to borrow up to $50,000 cash loan. The process is quick and hassle-free. Visit us at 1526 McHenry Ave UNIT 101A, Modesto, CA 95350, or start your application online today. Swift Cash Loans – Faster Than Ever!

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I get a Title Loan in Modesto?

For borrowers in Modesto, the fastest and most convenient way to secure a Title Loan is by applying online with Swift Title Loans. We provide a fast, no-obligation estimate and we are fully licensed to follow California state laws. For additional access, we are centrally located near key points in the city for your convenience.

What are the California regulations for Title Loans in Modesto?

According to California law, the minimum amount for a title loan is $2,500 and the maximum loan limit is related to the market value of your car. Title Loans are regulated by the California Financing Law, which protects borrowers from predatory lending practices.

Can I get a Title Loan in Modesto if I have bad credit?

Absolutely! At Swift Title Loans, your credit history is not a determining factor for a loan. We focus more on the value of your vehicle and your ability to repay. We help people of all credit backgrounds get the emergency funds they need.

What documents do I need to apply for a Title Loan in Modesto?

We've simplified the application process for you. Here's what you'll need:
  • Your vehicle’s title
  • Government-issued ID (like your driver's license)
  • Proof of income
  • Proof of residency

How soon can I get the funds after approval of a Title Loan in Modesto?

You could receive your funds as quickly as the same business day after approval when you apply with Swift Title Loans. Our process is straightforward and easy, allowing you to get the money you need fast.

How do I repay my Title Loan in Modesto?

Swift Title Loans provides an array of repayment options suited to your unique financial situation. We will discuss these options with you so you can make an informed decision that fits into your budget.

What happens if I can’t repay my Title Loan in Modesto?

While we always encourage borrowers to only take what they can afford, we understand hardships can happen. If you foresee a challenge in repayment, do not hesitate to contact us. It's always better to address this proactively, and we are here to give you the support you need. Get started with Swift Title Loans today. Apply


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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How much can I borrow?

High Security

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