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 Phoenix, 85004

How It Works in Phoenix, AZ

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 Arizona: Regulations & Key Details

In Arizona, title loans provide a quick financing option for individuals seeking short-term cash. Borrowers can use their vehicle titles as collateral. Here’s a brief overview of the regulations and essential details you should know:

Loan Amount Range Fees & APR % Repayment Terms Unique State Law Conditions
$2,500 - $50,000 Fees up to 15% of the loan amount; APR typically ranges from 150% to 204% 30 days, with the option to renew Must be licensed by the Arizona Department of Financial Institutions

Arizona law mandates that title lenders must be licensed and adhere to specific restrictions regarding fees and loan structures. Borrowers should ensure they choose a licensed lender, like Swift Title Loans, to comply with state regulations and protect their interests. Individuals seeking immediate assistance can apply online with Swift Title Loans for a fast, no-obligation estimate.

For more information, you can refer to the Arizona Department of Financial Institutions.

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 – Phoenix, AZ

Address

4 E Jefferson St c, Phoenix, AZ, 85004

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Phoenix, AZ

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

2021 Jeep Cherokee

2023 Chevrolet Trax

Loan Term24 month36 month
Estimated Vehicle Value$23000$25000
Loan Amount$4067$5623
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$294.74$358.21
Monthly Interest5.005.42
APR60.00%65.00%

*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 are the requirements for getting a Title Loan in Phoenix, Arizona?

Getting a title loan in Phoenix is straightforward with Swift Title Loans. Here are the general requirements:
  • You must be 18 years or older.
  • You must own the vehicle and have a lien-free title to it.
  • Possess a government-issued ID, such as a driver's license.
  • Proof of income, such as a paycheck stub or bank statement.
  • Proof of residency in Phoenix, Arizona (like a utility bill).
Remember, you can start the application online for a fast and free quote!

Is bad credit a problem for Title Loans in Phoenix, Arizona?

No, bad credit is not a problem at Swift Title Loans. We accept applications from all credit backgrounds. Decisions are based more on the equity value of your car and your ability to repay the loan.

What loan amounts can borrowers get for Title Loans in Phoenix, Arizona?

In Arizona, Title Loan amounts can vary. At Swift Title Loans, you can get any loan amount between $300 to $15,000. The exact amount is determined by the value of your vehicle and your ability to repay.

What happens if I can't repay my Title Loan in Phoenix, Arizona?

If you're having difficulty making payments, contact us immediately. It's essential to communicate about your situation. Swift Title Loans is committed to working together to find a solution.

What if my vehicle is not fully paid off?

You might still be eligible for a Title Loan from Swift Title Loans, even if your vehicle isn't fully paid off. The key point is you need to have enough equity in the vehicle. Submit an online application to check your eligibility.

Where can I get a Title Loan in Phoenix, Arizona?

Discover the convenience of getting a Title Loan with Swift Title Loans. You can apply online anytime — a quick, no-obligation quote is just a few clicks away. Alternatively, there are also physical lenders across the city, including major streets like Central Avenue or Camelback Road. Make sure to choose a licensed lender that follows state laws.

How fast can I get my funds after approval of my Title Loan in Phoenix, Arizona?

After approval, Swift Title Loans works to get you your funds as quickly as possible.


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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