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 Oakley, 94561

How It Works in Oakley, California

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!

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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

Adulai S.
Adulai S.
Swift Title Loans provided an exceptional service when I needed financial assistance, particularly with Pancho's Car Title Loans. Their team was quick, reliable, and ensured a smooth process, making them my go-to choice for any future financial needs. I highly recommend Swift Title Loans, especially for their efficient handling of Pancho's car title loans.
Patrick J.
Patrick J.
I recently turned to Swift Title Loans after reading glowing Montana Capital Car Title Loans reviews, and the experience surpassed my expectations. Swift Title Loans upheld the reputation with their efficient service and transparent terms, making them a reliable choice for anyone in need of a car title loan.
Funny P.
Funny P.
On the first day, I had a hard time contacting a number of folks by phone. Finally, I've located a reliable source for unsecured loans named title auto loans near me. The kind manager at the Fremont office called to see how things were progressing with the online problem after I had left multiple messages.
Lana N.
Lana N.
Getting a second lien title loan in Fort Worth was a breeze with this company. They understood our unique situation and helped us secure the funds we needed. Highly recommended for their professionalism and hassle-free service. Thanks!!!
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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 – Oakley, California

Address

3071 Main St #7, Oakley, California, 94561

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Oakley, California

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

2019 Hyundai Venue

2018 Ford F-250

Loan Term24 month36 month
Estimated Vehicle Value$22000$45000
Loan Amount$5623$5538
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$407.50$334.69
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

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TLS Security

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

How much can I borrow from Swift Title Loans in Oakley, California?

As per California law, Title Loans can range from $2,500 to $50,000. The exact loan amount will be based on the value of your vehicle and your ability to repay the loan at Swift Title Loans.

What credit score do I need for a Title Loan at Swift Title Loans in Oakley?

Swift Title Loans in Oakley approves loans for borrowers with any credit score, focusing more on your car's value and your repayment ability, making it a good choice if you have bad credit.

What documents are required to get a Title Loan in Oakley?

To get a Title Loan with Swift Title Loans in Oakley, you’ll need the following:
  • Government-issued identification
  • A clear or almost-paid-off car title in your name
  • Proof of income
  • Proof of residence

Where can I get a Title Loan in Oakley?

You can easily get a Title Loan in Oakley by applying online with Swift Title Loans. It offers a quick estimate, and their process prioritizes fairness, transparency, and adherence to state laws.

How does Swift Title Loans handle late or missed payments in Oakley?

Swift Title Loans is dedicated to providing fair and supportive loan services in Oakley, California. In case of late or missed payments, they offer a wide array of options based on California's legal guidelines to ease your repayment process.

Does Swift Title Loans allow early repayment for Title Loans in Oakley?

Yes, Swift Title Loans allows early repayment for Title Loans in Oakley. There is no penalty for making early payments, as mandated by California law.

Can I get a Title Loan in Oakley if I’m unemployed?

Yes, Swift Title Loans in Oakley approves loans for borrowers irrespective of their employment status, as long as they can show a source of income to repay the loan, such as unemployment benefits or social security payments. Remember, if you need swift financial aid, apply online with Swift Title Loans in Oakley, California to get a fast, no-obligation estimate today! Always ensure to double-check the lender's licensing and adherence to state laws for secure dealings.


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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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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