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.

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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

Latif R.
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.
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.
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.
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.
Robert G.
Robert G.
Pink slip loans are one way of getting quick cash to use for anything. That's what I did, and it worked out great. It only took me a few minutes to send in the form and they got right back to me. Highly Recommended !
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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 – 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

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?

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 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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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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TLS Security

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