Swift Title & Payday Loans

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Title Loans in Newport News, 23601

How It Works in Newport News, VA

Getting the cash you need is quick and simple with our title loan process

01

Apply in Minutes

Complete a simple form from your phone or computer. No store visit, no appointment needed. 7 minutes for pre-approval.

02

Submit Photos & Documents

Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.

03

Get Your Free Quote

Receive a loan estimate based on your car's value and your ability to repay. No obligation.

04

Sign & Drive

Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*

Bad credit or past bankruptcy? All welcome. Borrow up to 50% of your car's value based on your vehicle's equity, your ability to repay, and state regulations. No store visit, no physical car inspection, no obligation. Apply online, upload photos from your phone, and once approved, get funds as fast as the same business day.*

Title Loans in Virginia: Regulations & Key Details

In Virginia, title loans provide a quick solution for those in need of emergency funds, especially for individuals facing credit challenges. It is vital to understand the specific regulations and requirements to ensure a compliant borrowing experience.

Loan Amount Range Fees & APR Repayment Terms Unique State Law Conditions
$1,000 - $10,000 15% per month; 180% APR max 1 to 12 months Licensed lenders must follow the Virginia Title Loan Act, requiring clear disclosures.

Virginia's laws, as outlined in the Virginia Code § 6.2-2200, stipulate that all title loans must be offered by licensed lenders who adhere to strict regulations. Potential borrowers should ensure that their lender complies with these laws for a safe borrowing experience. Borrowers in Richmond, Virginia Beach, and Norfolk can apply online with Swift Title Loans for a fast, no-obligation estimate. Make sure to choose a licensed lender to protect your rights and financial well-being.

Why Choose Swift Title Loans?

No Store Visit Required

Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.

No Physical Car Inspection

Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.

Bad Credit? All Welcome.

Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.

Same-Day Funding Available

Apply in 7 minutes. Get cash as fast as the same business day when you apply before noon.*

Free Service. No Obligation.

Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.

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

Same-Day Funding*

Bad Credit Loans

No Store Visit Loans

Process

Apply online or at our office

Upload photos of your car

E-sign documents from home

Get funds deposited to your account

Requirements

Car details

Personal details

Car title in your name

Government-issued ID

Vehicle photos

Proof of income

Benefits

No store visit required

No physical car inspection

No prepayment penalties

No hidden fees

Quick funding

Same-day funding available*

Swift Title Loans – Newport News, VA

Address

620 J Clyde Morris Blvd #3, Newport News, VA, 23601

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Email

service@swiftloans.com

Customer Reviews

Gerardo J.
I had a really good experience at Swift Title Loans in Newport News when I needed an easy loan despite having bad credit. Arianna at the Newport News branch was very welcoming and explained everything clearly without rushing me. The process was quick, and I appreciated that they didn’t ask for a perfect credit score, which made a big difference for me. The office was easy to get to, and the staff made me feel comfortable throughout. One thing I’d suggest is improving the waiting area with more seating — it felt a bit cramped. Still, I’m thankful for their help when I needed cash fast!
Jai P.
Swift Title Loans provided exceptional service when I needed title loans. Their process was fast and efficient, ensuring I received the funds I needed without any hassle.
OLGA C.
Swift Title Loans provided exceptional service when I needed cash for my car title near me. Their efficient process & friendly staff made it easy to obtain the funds I needed quickly, earning my recommendation for anyone seeking reliable financial assistance in their area.
Sarah I.
Swift Title Loans is my go-to among title loan places. The process was swift, hassle-free, and the staff was friendly. When you need a title loan, Swift Title Loans is a reliable choice for quick and efficient service.
Mike B.
Title loans online are the best!!!! I couldn't sleep 2 nights ago because I was so worried about where I could get a fast loan. I went online and found Swift Title Loans. I sent in an application and barely had time to get back to bed when they contacted me with loan approval. Wow - is that service or what? Highly Recommended !
Luiz C.
My semi truck is valuable - so when I needed a fast cash loan I used its value as collateral. I just had to give them the title to the truck until I paid the money back. If you have a semi truck and need money, go ahead and check out semi truck title loans.

Example of Title Loan Funded in Newport News, VA

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

2020 Toyota RAV4

2023 Mazda CX-5

Loan Term24 month36 month
Estimated Vehicle Value$30000$32000
Loan Amount$5788$3858
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$419.46$233.16
Monthly Interest5.005.00
APR60.00%60.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Title Loan Offers for 2026

Need fast cash in Newport News, VA? Apply online in 7 minutes. No store visit, no car inspection. Same-day funding available.*

(888) 557-7115

How much can I borrow?

$100 - $2,000
$2000 - $50,000

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Bad Credit? No Problem at Swift Title Loans in Newport News

There are many reasons you might have bad credit today, but none of them matter when you apply for a car title loan. When you apply online or in person, include your vehicle’s title, proof of income and photo ID to get a quick credit decision. Bad credit or even no credit – you can still be approved for a speedy title loan in VA.

Get the Cash You Need for Any Emergency in VA

If you need emergency cash right now, go ahead and send in your online application for a title loan. You can apply anytime of the day or night, or come into our office at 620 J Clyde Morris Blvd #3, Newport News, VA 23601. Either way, we’ll process your request and get you the urgent cash quickly so you can be on your way!

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What are the legal requirements to apply for a Title Loan in Newport News, Virginia?

To apply for a Title Loan in Newport News, Virginia you must be at least 18 years old, own your car outright, and have a clear title. It's also necessary to provide the following:
  • Government-issued ID (like a driver's license)
  • Proof of income (such as pay stubs)
  • Proof of residency in Newport News, Virginia (like a utility or credit card bill)
  • Your vehicle’s title
Remember, rules governing Title Loans vary by state and lenders like Swift Title Loans follow these regulations very strictly.

What is the maximum loan amount for a Title Loan in Newport News, Virginia?

In Virginia, including Newport News, the maximum loan amount for Title Loans is $50,000, but it's important to note that the amount is typically based on the appraised value of your vehicle and your ability to repay the loan. Apply online with Swift Title Loans for a fast, no-obligation quote.

How fast can I get an emergency Title Loan in Newport News, Virginia?

Swift Title Loans understands that your financial emergencies can't wait. In most cases, once your application is approved and all documentation is provided, you will get your funds in as fast as one business day.

Where can I get a Title Loan in Newport News, Virginia?

Borrowers can apply online anytime with Swift Title Loans for a quick estimate. The process gives you the flexibility as their loan representatives are available to assist you with your needs. However, if you prefer to connect in person, you may find lenders in areas like Warwick Boulevard or Jefferson Avenue. Just remember to opt for a licensed lender that follows Virginia state laws to ensure your safety and rights are protected.

Can I get a Title Loan in Newport News, Virginia, if I have bad credit?

Yes, Swift Title Loans offers Title Loans to borrowers regardless of their credit score. This is because the loan amount is primarily based on the value of your vehicle and your ability to repay the loan, not your credit history. So, if you need emergency funds, don't let bad credit stop you from applying for a loan with Swift Title Loans.


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.

(888) 557-7115

How much can I borrow?

$100 - $2,000
$2000 - $50,000

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Swift Title Loans ("Website") is not a lender, lending partner, or credit provider. We do not make loans, issue credit, or make credit approval or denial decisions. This Website operates solely as a free referral service designed to connect consumers with participating licensed and regulated third-party lenders and marketing partners who may offer online title loans with no physical vehicle inspection required. We do not endorse any lender, nor are we responsible for any lender's actions or inactions. The Website does not collect, store, or have access to information regarding the fees and charges associated with contacting lenders or any loan products.

^When we refer to 'no inspection' or 'no physical inspection,' we mean no in-person store visit or walk-around vehicle inspection at a lender location. You will still need to submit photos and/or videos of your vehicle, including exterior (all four sides), interior (front and back), odometer, and VIN. Some states may still require a physical visit by law for title verification. Additionally, some lenders may require an in-person inspection if they cannot fully assess vehicle quality from photos/videos, or if the vehicle has high mileage or condition concerns that require professional evaluation.

Submitting information through this Website does not guarantee you will receive a loan offer, be approved for any loan product, or be connected with a completely online title loans lender. The number of inquiries we receive exceeds the number of consumers who ultimately qualify for financing. Loan approval is subject to meeting each lender's specific credit and underwriting criteria. Actual loan amounts, terms, and Annual Percentage Rates (APR) vary by consumer, lender, and state. Minimum and maximum loan amounts vary by state regulation and lender policy.

By submitting your loan request, you acknowledge, agree, and authorize that: (a) your personal information may be shared with third-party marketing partners and participating licensed and regulated lenders in our network; and (b) lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, including TransUnion, Experian, and Equifax, to evaluate your creditworthiness. Every lender may perform credit verification, whether traditional or non-traditional. Do not be misled by terms like 'No Credit Check Loans' — lenders may still verify your credit history.

Consumers need to demonstrate ability to repay the loan through proof of income such as pay stubs, bank statements, or benefits documentation. This is a key factor in loan approval and helps protect you from taking on debt you cannot afford. Upon completion of the loan request form, a conditional approval may be given pending review of additional documentation.

*Same-day funding available for applications completed and approved before 1PM PT on business days. Excludes weekends and federal holidays.

A title loan is secured by your vehicle. Failure to make required payments may result in vehicle repossession. Repossession costs may include towing, storage, and sale preparation fees as permitted by applicable law. Lenders may report late or missed payments to consumer reporting agencies, which may negatively affect your credit score.

Title loans are expensive and involve high fees and interest rates. They are designed for short-term financial needs only and are not suitable as long-term financial solutions. If you decide to take a title loan, we strongly encourage you to pay it off as quickly as possible to avoid a cycle of debt and additional finance charges. Consider alternatives such as personal loans, credit union loans, or borrowing from family and friends. We encourage consumers with credit difficulties to seek credit counseling before entering into any loan transaction.

All participating licensed and regulated lenders independently determine their own interest rates, fees, and payment terms. Swift Title Loans has no control over these rates or payments. Use of terms like 'competitive' or 'reasonable' does not mean affordable; borrowers should use their own discretion when working directly with any lender. Loans such as auto title loans typically do not have prepayment penalties, but we cannot guarantee all lenders follow this practice. Loan proceeds are intended primarily for personal, family, and household purposes. For all questions about your loan, please contact your lender directly.

Some lenders may require installation of a GPS tracking device on your vehicle as a condition of the loan. Fees may apply and vary by lender. While we strive to connect you with lenders who do not require GPS devices, we cannot guarantee this. Always confirm GPS requirements directly with your lender before signing any agreement.

This service and participating licensed and regulated lenders are not available in all states. States serviced may change from time to time without notice. In some cases, you may be connected with a tribal lender. Tribal lenders are subject to tribal and certain federal laws only, while other lenders are also subject to state law including usury caps.

Swift Title Loans complies with the California Consumer Privacy Act (CCPA). California residents have specific rights regarding how their personal information is collected, used, and shared, including the right to opt out of the sale or sharing of personal information and the right to limit use of sensitive personal information. Submit requests through our "Do Not Sell or Share My Personal Information" page or call (888) 557-7115.

If you use assistive technology and have trouble accessing any part of our website, please email support@swifttitleloans.com or call (888) 557-7115.

Use of this website is free. Swift Title Loans does not charge any fees for using this referral service. We may share personal information with participating licensed and regulated lenders or service providers as necessary to process your loan request, in accordance with our Privacy Policy.

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