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 Oxnard, 93030

How It Works in Oxnard, 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

Janet J. S.
Janet J. S.
Dealing with a car title not paid off, I reached out to this loan company. Their efficient services and understanding staff made getting a title loan for my car a smooth experience.
Nelson S.
Nelson S.
Swift Title Loan's loan against your car while you drive it service was very convenient. The process allowed me to access funds while retaining the use of my vehicle, which was icing on top for me.I'm very delighted by their services.
Louis F.
Louis F.
When I need money in my pocket, I know it will take forever if I go to a bank. Instead, I think the best car title loans are also the fastest and easiest - and those are the title loans I get online. Try it for yourself and you'll see!
Wendy J.
Wendy J.
I didn't think it was true that you can get title loans for cars not paid off, but my buddy insisted it's true! To prove him wrong, I went ahead an applied for one, My car is in good shape, but the thing is nearly 15 years old! By golly - he was right! I got quick approval and fast cash.
Stephen B.
Stephen B.
The fastest, easiest and most convenient way to apply for title loans is by going online. I love that I can sit down at my computer or smartphone anytime day or night and send in a request for title loans online only. I always get a quick reply.
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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 – Oxnard, CA

Address

157 W 5th St unit 102, Oxnard, CA, 93030

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Oxnard, CA

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

2022 Ram 2500

2018 Hyundai Sonata

Loan Term24 month36 month
Estimated Vehicle Value$50000$19000
Loan Amount$5532$5985
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$400.91$409.34
Monthly Interest5.006.00
APR60.00%72.00%

*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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Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What is the maximum amount I can borrow from Swift Title Loans in Oxnard, California?

In Oxnard, California, the maximum loan amount you can get from Swift Title Loans is $50,000. However, the precise amount you're approved for will depend on various factors such as the current market value of your vehicle, your ability to repay, and your compliance with Swift Title Loans lending criteria.

Where can I get a title loan in Oxnard, California?

You can easily apply for a title loan online with Swift Title Loans for a fast, no-obligation estimate. Lenders may also be strategically positioned along major areas like Oxnard Boulevard and Saviers Road. Remember, it's essential to ensure that your chosen lender is licensed and complies with all state laws.

What documents do I need to apply for a title loan with Swift Title Loans in Oxnard, California?

When applying for a title loan with Swift Title Loans, you need to provide the following documents:
  • An original vehicle title showing you as the vehicle owner
  • A valid government-issued ID (like a driver's license)
  • Proof of residence (such as recent utility bills)
  • Proof of income (like pay stubs, job contract, etc.)

Can I apply for a Swift Title Loan in Oxnard, California if I have bad credit?

Yes, you can. Swift Title Loans in Oxnard welcomes applications from everyone, including those with bad credit. Your loan approval mainly depends on the value of your vehicle and your ability to repay the loan, not on your credit score.

How fast can I get a car title loan with Swift Title Loans in Oxnard, California?

Swift Title Loans takes pride in its swift loan processing. In most cases, you can get your loan approved and have the money in your hands on the same day that you apply.

Is it legally safe to take a title loan in Oxnard?

Yes, it is legally safe to take a title loan in Oxnard as long as you choose a lender that is licensed and adheres to the applicable state laws. Swift Title Loans is fully licensed and follows all regulations of the title loan industry in California.


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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