Swift Title Loan

Sign up by noon, get cash today!

Bad credit & past bankruptcies? All welcome!

(888) 557-7115

How much can I borrow?

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

High Security

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Easily apply online

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Get cash and keep your car

03

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

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 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?

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 – 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

Email

service@swiftloans.com

Customer Reviews

Willie T.
I couldn't wait days for approval because of an urgent situation. This business assisted with bad-credit same-day loans. The process went much more smoothly than I was hoping for, but they truly delivered on their promise.
Kelly F.
I had never applied for Oxnard fast cash loans without a credit check before, so I wasn't sure what was coming up. However, it was incredibly quick. Shortly after I submitted my application in the morning, the funds appeared in my account. It was ideal for my emergency.
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.
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.
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!
Shawn M.
Sometimes I get so upset with myself because I don't budget my money and I run out. It's really stupid of me, because then when bills come I don't have a way to pay them. I really hate that situation. I can't focus on my work when I know I have expenses but no cash. The easiest thing for me to to just get a title loan online. I can spend 10 minutes filling out the form anytime I want to and it's done. I know I'll get the money quickly like that, without worrying too much.

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 2026

Need fast cash in Oxnard, CA? 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

High Security

256-bit SSl

TLS Security

Cover Financial Emergencies in CA with a Title Loan

If expenses are getting ahead of you in Oxnard, there are title loans available for quick cash. They are open to anyone with any credit type, and even consumers without credit. Since they’re based on your vehicle’s value, include the details of a car, motorcycle or truck you own when applying.

Quick Cash With a CA Vehicle Title

Visit our loan team at 157 W 5th St unit 102, Oxnard, CA 93030 or apply online for quick access to instant cash! Our trusted agents are ready to review your application and the title to your vehicle to give you a free loan offer. After accepting the offer, you can still keep driving your vehicle while spending your cash.

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.

(888) 557-7115

How much can I borrow?

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

High Security

256-bit SSl

TLS Security

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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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