Swift Title Loan

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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

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Home California Palmdale

Title Loans in Palmdale, 93551

How It Works in Palmdale, 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.

03

Get a Quick Evaluation

We’ll estimate your loan based on your car’s value and your ability to repay.

04

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.

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 – Palmdale, CA

Address

1262 W Rancho Vista Blvd unit 401, Palmdale, CA, 93551

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Customer Reviews

Michael M.
Although obtaining same-day loans for negative credit isn't usually simple, this location made the process less difficult. I had money that afternoon after completing the easy application.
Donald D.
It has always seemed hopeless to get a loan with bad credit, but this time was different. I didn't feel embarrassed about my credit score because the staff was friendly and supportive. I was able to get the assistance I required through a simple process.
Dennis M.
Swift Title Loans provided a seamless experience when I requested a title loan quote; their quick response and clear breakdown of terms were incredibly helpful. Highly recommended.
Charles B.
I had an excellent experience with a salvage title loan near me, as the service provided quick and efficient financial support. Their local availability and understanding of salvage titles made the process convenient and stress-free, and I highly recommend their services to those in need.
Amiya K.
I requested for a travel trailer title loans from Swift Title Loans. My request was approved immediately and on the very next day i received the funds i requested. Their quick service really impressed me.
William G.
She was really nice and easy to get in touch with, so getting my easy personal loans and car title loans was a breeze. Many thanks to Swift Title Loans company.

Example of Title Loan Funded in Palmdale, CA

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

2022 Subaru Ascent

2016 Chevrolet Bolt EV

Loan Term24 month36 month
Estimated Vehicle Value$35000$22000
Loan Amount$2836$4954
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$205.53$299.39
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?

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Get Fast Cash Today in Palmdale, CA


Key Takeaways:

  1. Borrow up to $50,000 using your car’s title as collateral.
  2. No credit checks needed for certain loans, and if performed, it’s not the main factor for approval.
  3. Flexible repayment terms between 2-4 years with no prepayment penalties.
  4. Keep driving your car while making loan payments.
  5. Receive funds the same day if you apply early.

What is a Car Title Loan and How We Can Help in Palmdale?

A car title loan is a secured loan that uses your vehicle’s title as collateral. It’s perfect for Palmdale residents who need quick cash, even if they have bad credit. You can borrow up to $50,000 based on your car’s value and proof of income.

Our office is located at 1262 W Rancho Vista Blvd Unit 401, Palmdale, CA 93551. Apply online or visit us in person to get started. Even if you have a bad credit history or past bankruptcy, you can still get approved!

Palmdale in Numbers:

  • In 2022, the median household income grew to $78,414, a significant increase from the previous year’s $70,858.
  • The median property value in Palmdale is $397,500, with a 19.6% growth rate.
  • Palmdale is a thriving community with over 167,398 residents.

Sources: Data USA, City of Palmdale

How Does the Title Lending Process Work?

The process is simple:

  1. Apply Online or Visit Us: Fill out a short application form.
  2. Get Approved: We assess your car’s value and proof of income (not necessarily a traditional paycheck).
  3. Receive Your Cash: Funds may be available the same day if you apply early.

Title Loans in Palmdale

Palmdale, CA, with its vast stretches of highways, makes title loans a convenient option for residents needing fast cash while still keeping their cars for commuting.


How Long Does It Take to Get a Title Loan in Palmdale?

Typically, the process takes only a few hours from application to approval. If you submit your application early in the day, you can receive your funds on the same day.

How Do I Get My Title Back?

Once you’ve fully repaid the loan according to the terms, we promptly release your vehicle’s title back to you.

What if I Want to Pay the Loan Back Early?

There are no penalties for early repayment. In fact, paying off your loan early can save you on interest costs.

Do Title Loans Check Your Credit?

For most title loans, we do require a credit check. BUT, it’s not the main factor for approval. Your car’s value and proof of income are the primary considerations.

What if I Don’t Have Car Insurance?

Car insurance is not required to obtain a title loan. However, it is advisable to maintain insurance coverage on your vehicle.


Loan Services Available in Palmdale, CA

Service Description Amount APR Loan Term Loan Type Collateral Origination Fees
Title Loans Secured by vehicle’s title $2,500-$50,000 Up to 150% 2-4 Years Title Loan Yes Up to 10% of loan amount
Cash Loans Instant cash for urgent needs $100-$1,000 Up to 400% 14-30 Days Payday Loan No $45 per loan
No Credit Check Loans No credit checks needed $100-$1,000 Up to 400% 14-30 Days Payday Loan No $45 per loan
Installment Loans Best for amounts between $1,000-$5,000 $1,000-$5,000 170% Avg. 9-18 Months Installment Loan No Up to 2.5%
Quick Loans Fast cash disbursement $1,000-$5,000 170% Avg. 9-18 Months Installment Loan No Up to 2.5%

Note: Our repayment schedules have no hidden fees or prepayment penalties.

Frequently Asked Questions (FAQs)

What if I Already Have a Title Loan with Another Company?
Yes, we can help you refinance your existing title loan with better terms.

What Information Should I Look for if I Apply for a Title Loan?
Ensure transparency on interest rates, loan terms, and any additional fees. Our team provides a clear breakdown of all costs.

Can I Get a Title Loan with a Salvage Title?
Yes, we accept salvage titles. However, the loan amount may vary based on the car’s condition.

Does Paying Off Your Car Loan Early Hurt Your Credit Score?
No, paying off your loan early does not negatively impact your credit. In fact, it can improve your credit score.

What if I Don’t Have a Car Title? Can You Help?
Yes, we can guide you through the process of obtaining a duplicate title from the DMV.

Can I Get a Title Loan if the Title is Not Signed Over to Me?
You must have the title in your name to qualify. However, we can assist you in transferring it if needed.

Is it Better to Start the Process Online or In Person?
Both options are available. Applying online is faster, but visiting our Palmdale office allows for personalized assistance.

Title Loans in Palmdale


Example of a Typical Car Title Loan in Palmdale

Examples Honda Civic 2017 Chevrolet Tahoe 2020
Vehicle Value $14,000 $28,000
Title Loan Amount $4,000 $10,000
Loan Term 24 months 36 months
APR 87.50% 90.00%
Fees $90 $90
Monthly Payment $380 $820

Note: No prepayment penalties apply.


What If I Want to Pay Off My Car Title Loan Early?

There are no penalties for early repayment. It’s a great way to save on interest costs.

Can I Apply for a Fast Cash Loan in Palmdale?
Absolutely! We offer fast cash loans that are processed within hours.

Can I Get a Guarantee of Title Loan Approval?
While we cannot guarantee approval, having a lien-free title and proof of income increases your chances significantly.


Why Choose Us for Title Loans in Palmdale?

  • Fast Approvals: Get approved within hours.
  • No Credit Checks for Some Loans: Focus on your car’s value and proof of income.
  • Keep Driving Your Vehicle: Use your car’s title as collateral while you continue to drive it.
  • Same-Day Funding: Apply early to receive funds the same day.

Palmdale Residents – Need Fast Cash?

If you’re a Palmdale resident in need of urgent cash, we’re here to help. Apply today and borrow up to $50,000. The process is simple, and you could have cash in your account by the end of the day. Swift Title Loans – Faster Than Ever!

Contact Us

Visit us at 1262 W Rancho Vista Blvd Unit 401, Palmdale, CA 93551, or apply online today.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What are the state regulations for Title Loans in Palmdale, California?

California has specific regulations for title loans. In Palmdale, the loan amount can vary between $2,600 and $20,000. The repayment term can range from 24 to 36 months. Always check that your lender adheres to these terms.

What are the lender requirements at Swift Title Loans in Palmdale, California?

To apply for a title loan at Swift Title Loans, the borrower must:
  • Be at least 18 years old
  • Own a vehicle free of liens and in good condition
  • Present a state-issued ID or driver's license
  • Provide proof of income and residency
  • Have a vehicle title listed in their name

Where can I get a title loan in Palmdale?

In Palmdale, you can get a title loan quickly and easily online with Swift Title Loans. We operate legally within state guidelines and offer a quick, no-obligation estimate. For face-to-face service, there are locations on Palmdale Boulevard and East Avenue S.

Can I get a title loan in Palmdale, California with bad credit?

Yes, at Swift Title Loans, we understand that financial emergencies can happen to anyone, regardless of their credit history. Your vehicle's value is your credit when applying for a title loan in Palmdale, so bad credit will not necessarily prevent you from getting a loan.

What happens if I cannot repay my title loan in Palmdale?

Swift Title Loans advocates responsible borrowing and offers flexible repayment terms. If you are unable to repay your title loan, it’s critical to contact us immediately. We may be able to work on a modified payment plan to avoid default. Note that failure to repay a loan may result in the lender taking possession of your vehicle.

Are there penalties for early repayment of a title Loan in Palmdale, California?

No, Swift Title Loans does not charge any prepayment penalties. You can repay your loan before its due date without any additional charges.

How quickly can I receive funds after applying for a title loan in Palmdale, California?

At Swift Title Loans, we


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How much can I borrow?

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