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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Home California Rancho Cordova

Title Loans in Rancho Cordova, 95670

How It Works in Rancho Cordova, 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.

Customer Reviews

Dave O.
Dave O.
Swift Title Loans exceeded my expectations with their car title loans with monthly payments. The flexibility in payment options, combined with their fair terms and efficient service, made the experience positive and stress free, earning them my recommendation for monthly payment title loans.
Mark M.
Mark M.
Because I needed money for a business venture, truck title loans in Rancho Cordova were the appropriate solution for me. The procedure was as fast as a truck on the freeway. I was impressed with their efficiency!
Guppies R.
Guppies R.
I wanted to express my appreciation for how quickly my application for borrowing money against my car and still driving it, a cash advance loan was processed during my time of need. Trust Swift Title Loans.
Mina H.
Mina H.
During a rough patch, we discovered this gem of a company that offers affordable title loans. Their rates were lower than most other lenders, making it easier for us to manage our finances. We're grateful for their assistance when we needed it most. Thanks!!
Hay D.
Hay D.
When an unforeseen expense arose, I needed cash quickly. The rapid title loan in Rancho Cordova from this loan firm saved my life! The procedure was quite quick, and I had the funds I required in no time. Thanks!!!
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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 – Rancho Cordova, CA

Address

2869 Prospect Park Dr #102, Rancho Cordova, CA, 95670

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Rancho Cordova, CA

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

2017 GMC Sierra

2015 Kia Telluride

Loan Term24 month36 month
Estimated Vehicle Value$31000$28000
Loan Amount$4682$2762
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$339.31$166.92
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?

High Security

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TLS Security

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What are the laws regulating Title Loans in Rancho Cordova, California?

In California, Title Loans are regulated by the California Finance Lenders Law. The maximum loan amount is set to $25,000. Annual interest rates are restricted, differing by the size of the loan - typically not exceeding 30%. Keep in mind that it’s crucial to choose a licensed lender like Swift Title Loans who adheres strictly to these state regulations.

How fast can I get a Title Loan in Rancho Cordova, California?

With Swift Title Loans, you can typically receive your funds the same day you apply. Our online application process is quick, simple, and involves minimal paperwork. Once approved, the funds can be directly deposited into your account.

What documents do I need to apply for a Title Loan in Rancho Cordova, California?

Here's a list of documents you will need:
  • Your vehicle’s clear title
  • Proof of income (e.g. pay stubs, bank statements)
  • Proof of residency (e.g. utility bill, lease agreement)
  • Government-issued ID (driver’s license or passport)
Remember, if you have any questions about the documents required, Swift Title Loans' supportive team is ready to assist you.

Where can I get a Title Loan in Rancho Cordova, California?

For convenience and speedy service, you can apply for a Title Loan online with Swift Title Loans. They offer quick application processing and decision-making. Remember to consider licensed lenders who strictly follow California state laws.

How can a Title Loan help individuals with bad credit in Rancho Cordova, California?

Unlike many traditional loan services, Swift Title Loans approves Title Loans based on the value of your vehicle and your ability to repay, rather than solely on your credit score. This makes it an excellent option for individuals with bad credit who need emergency funds.

How should I choose the best Title Loan provider in Rancho Cordova, California?

Look for a provider that is licensed and follows California state laws such as Swift Title Loans. Consider factors like easy application process, fast approval times, clear repayment terms, and a solid customer service reputation.

Can I still use my car after taking a Title Loan in Rancho Cordova, California?

Yes!


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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TLS Security

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