Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
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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
Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
Easily apply online
Get cash and keep your car
Repay loan and get title back
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A car title loan lets you borrow against a vehicle you own, using its title as collateral while you keep driving it.
A title-secured loan in Ohio today must be a licensed installment loan, and interest is capped at 25% a year under the state's Consumer Installment Loan Act.
That keeps the cost lower than in states with no rate cap, but a title loan is still a serious commitment because your vehicle serves as collateral and may be repossessed if you miss payments. Borrow only what you need and use it only for emergency expenses.
With Swift Title Loans, you can start the entire loan request online from your phone or laptop and get pre-approved with no obligation. If you decide to continue, you can complete the approval process remotely. There is no store visit required, and the vehicle inspection can be completed online.^
Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.
Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.
Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.
Apply in 7 minutes.* Get cash as fast as the same business day when you apply before noon.*
Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.
Getting the cash you need is quick and simple with our title loan process
Complete a simple form from your phone or computer. No store visit, no appointment needed.^ 7 minutes for pre-approval.*
Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.^
Receive a loan estimate based on your car's value and your ability to repay. No obligation.
Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*
We specialize in fully online title loans, so Ohio drivers handle every step from a phone or laptop. There is no store visit, and no physical inspection.^ Instead of bringing your car in, you upload photos for a virtual inspection, and you keep driving it while you repay.
Same-day funding is possible, but it depends on timing. If you apply before noon, send every document we ask for, and get approved that morning, qualified borrowers can be funded the same day, usually by direct deposit.* If we need more time to verify your details, funding can move to the next business day.
You repay online in fixed monthly installments, and there is no penalty for paying early.
Ohio records vehicle liens electronically, so we never hold a paper title. While you repay, the lien sits on your electronic record, and Ohio titles are issued through your local County Clerk of Courts title office.
When your loan is paid in full, we release the lien electronically, and your record updates to lien-free. Your car is yours free and clear once that release is processed, with no wait on paperwork. You can check your vehicle's title and lien status anytime through Ohio's online vehicle title services.
If you want a paper title in hand, you can get one printed the same day at any County Clerk of Courts title office, or request it by mail. You can review the steps through the Ohio BMV.
These examples show typical loan amounts and costs received by other borrowers. Your loan amount, terms, and costs may vary based on your vehicle, income, and underwriting review.
2020 Nissan Sentra | 2024 Mitsubishi Mirage | 2015 Ford F-350 | |
| Estimated Vehicle Value | $9,125 | $11,925 | $21,875 |
| Loan Amount | $2,045 | $2,800 | $5,033 |
| Loan-to-Value | 22% | 23% | 23% |
| Term | 12 monthly payments | 12 monthly payments | 12 monthly payments |
| APR | 25% | 25% | 25% |
| Monthly Payment | ~$194 | ~$266 | ~$478 |
| Total to Repay | ~$2,333 | ~$3,193 | ~$5,740 |
Real Swift Title Loans vehicles funded in Ohio, shown at the state's 25% interest cap on a 12-month installment. These are estimates, not a quote.
Ohio reformed its small-loan laws with House Bill 123 in 2019, which closed the loophole that once allowed triple-digit title loan rates. Here is what the state controls today.
| Rule | What Ohio Allows |
|---|---|
| Interest cap | 25% a year under the Consumer Installment Loan Act |
| Loan structure | A licensed installment loan repaid over time, not a single-payment title loan |
| Loan amount | Set by your vehicle's value and the lender; no fixed state minimum or maximum |
| Rollovers | Short-term loan rollovers are restricted; installment loans amortize on a fixed schedule |
| Right to cancel | If arranged through a credit services organization, you may cancel within 3 business days |
| After repossession | You get notice and a 20-day window to cure; any sale surplus is returned to you |
| Regulated by | Ohio Department of Commerce, Division of Financial Institutions |
Because Ohio caps interest at 25% a year, a title loan here costs far less than in states that set no limit at all. The examples below use the 25% cap on a 12-month installment loan.
| You Borrow | Term | APR | Monthly Payment | Total to Repay |
|---|---|---|---|---|
| $1,000 | 12 months | 25% | ~$95 | ~$1,141 |
| $2,500 | 12 months | 25% | ~$238 | ~$2,851 |
| $5,000 | 12 months | 25% | ~$475 | ~$5,703 |
Your exact rate and payment depend on your lender and contract, so read it closely before you sign.
Governing law: the Ohio Consumer Installment Loan Act, enforced by the Ohio Division of Financial Institutions.
Ohio's 25% rate cap keeps title loans here well below the cost in states with no cap, but a title loan is still a serious commitment because your car is the collateral, so borrow only what you need and make sure you can repay it on time.
Before you sign, review your full cost: the APR, any fees, the payment schedule, and the total due. Always confirm the exact numbers in your own contract, since those are the terms that apply to you.
There is no prepayment penalty, so paying off early lowers what you pay. If you can, it is usually worth doing.
You can verify any Ohio lender through the Ohio eLicense system or the Division of Financial Institutions.
A few options can cost less than a title loan, especially with poor or no credit.
Many Ohio credit unions offer small personal loans or payday-alternative loans at a lower cost, and they consider members with thin credit. Examples include Wright-Patt Credit Union and Day Air Credit Union.
It is also worth asking a creditor for a payment plan or speaking with a nonprofit counselor through the National Foundation for Credit Counseling before you put your car on the line.
Quick answers to help you feel confident about title loans.
Title Loans. No Inspection.
Get a free quote in 7 minutes.* No store visit required.^ 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.
If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.