Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome to apply!
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Easily apply online
02
Get cash and keep your car
03
Repay loan and get title back
Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome to apply!
Easily apply online
Get cash and keep your car
Repay loan and get title back
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Ohio title loans are licensed installment loans with fixed monthly payments and an interest rate capped at 25% per year.
There is no state loan limit, so the amount you qualify for depends mainly on your vehicle's value and your ability to repay.
For example, a $1,000 loan over 12 months costs about $98 a month, or roughly $1,170 in total.
You keep driving your vehicle while you repay. Borrow only what you need so the monthly payments stay comfortable for your budget.
| Vehicle | Mileage | Vehicle Value | Loan Amount | Funded |
|---|---|---|---|---|
| 2011 Jeep Grand Cherokee | 89,000 | $5,075 | $2,783 | Jul 2026 |
| 2018 GMC Yukon XL | 119,062 | $21,925 | $3,500 | Jun 2026 |
| 2019 Volkswagen Atlas | 146,002 | $7,725 | $6,268 | May 2026 |
| 2013 Hyundai Azera | 131,000 | $3,200 | $1,983 | May 2026 |
| 2020 Nissan Sentra | 70,000 | $9,125 | $2,045 | Apr 2026 |
| 2017 Mercedes-Benz S-Class | 99,700 | $32,300 | $4,000 | Apr 2026 |
| 2015 Ram 1500 | 123,203 | $12,000 | $2,100 | Jan 2026 |
| 2018 Nissan Sentra | 39,000 | $7,950 | $5,033 | Nov 2025 |
| 2017 Chevrolet Camaro | 36,000 | $14,775 | $7,000 | Sep 2025 |
| 2018 Audi Q7 | 102,000 | $11,775 | $5,643 | Sep 2025 |
These are examples, not a quote. Your amount depends on your vehicle’s value, your income, and Ohio rules.
Ohio has no separate title loan statute. A loan secured by your vehicle is made as a licensed consumer installment loan, and the interest rate is capped at 25% a year under the Ohio Consumer Installment Loan Act (CILA).
Lenders must hold a state license and lend directly, so your cost is set by the statute, not by an uncapped broker fee. Here is what the state controls today.
| Rule | What Ohio Allows |
| Interest rate cap | 25% a year on the unpaid principal balance (ORC 1321.68) |
| Minimum loan amount | No state minimum |
| Maximum loan amount | No state maximum (most lenders offer $2,500 to $15,000) |
| Minimum term | 6 months (loans under 6 months are not covered by the Act) |
| Maximum term | No state maximum |
| Refinancing | No refinancing of the same loan during the first 120 days |
| Loan structure | An installment loan repaid in fixed monthly payments, not a single-payment title loan |
| Regulated by | Ohio Department of Commerce, Division of Financial Institutions (DFI) |
Ohio caps interest at 25% a year.
The examples below apply the state maximum 25% APR on an amortized installment loan, plus Ohio's permitted tier-based origination fee.
| Loan Amount | Term | Max APR | Amortized Interest | Est. Origination Fee | Total Due |
|---|---|---|---|---|---|
| $1,000 | 12 months | 25% | ~$140 | $30 | ~$1,170 |
| $2,500 | 24 months | 25% | ~$702 | $200 | ~$3,402 |
| $5,000 | 36 months | 25% | ~$2,155 | $250 | ~$7,405 |
Note on Ohio costs: examples reflect an amortized simple-interest calculation at the state maximum 25% APR, plus Ohio's permitted tier-based origination fee. Actual offers, terms, and fees vary by lender underwriting. Always review your written loan contract before signing.
Governing law: the Ohio Consumer Installment Loan Act (ORC 1321.62 to 1321.702; rate cap in 1321.68), with repossession under Ohio's UCC Article 9 (ORC 1309), enforced by the Ohio Division of Financial Institutions.
Before you sign, make sure you understand the full cost: the monthly payment, the total you will repay, and any fees. Confirm the exact numbers in your own contract.
It is worth comparing a few options before you borrow against your title, then choosing the one that fits your situation.
Ohio credit unions such as Wright-Patt Credit Union and Day Air Credit Union offer small personal and payday-alternative loans, and they consider members with limited credit.
You can also ask a creditor for a payment plan, or get free guidance from a nonprofit counselor through the National Foundation for Credit Counseling.
Quick answers to help you feel confident about title loans.
Title loans made simple.
Get a free quote online in 7 minutes,* or visit a location near you. Same-day funds available.*
207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449
Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief. They are not designed to serve as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Online applicants should be aware that verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.
Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.
USA PATRIOT ACT ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.
*Completing the online request may take about seven minutes. Funding is subject to approval, document review, and receipt of all required signed documents submitted before noon local time on a business day.
^About “no store visit” and “no inspection”: These terms mean no in-person store visit or walk-around vehicle inspection at a branch. Applicants are still required to submit photos and/or videos of the vehicle, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require an in-person visit by law for title verification, and we may require an in-person inspection if vehicle condition cannot be fully assessed from photos or videos. Loan availability, terms, and approval depend on state law and individual qualifications.
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