Swift Title Loan
Sign up by noon, get cash today!
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
Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
Easily apply online
Get cash and keep your car
Repay loan and get title back
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Swift Title Loans specializes in fast, fully online title loans for California drivers. You borrow against your vehicle's title, keep driving your car, and handle the whole process from your phone with no store visit and no in-person inspection.^
We offer title loans with rates capped at 36% per year plus the Federal Funds Rate on loans of $2,500 to $9,999 (about 39.63% APR as of June 2026). Terms run 12 to 60 months with fixed payments and no prepayment penalty.
California title loans are legal and regulated under the California Finance Lenders Law, with oversight by the DFPI.
Check your eligibility for a fast, no-obligation estimate today.
Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.
Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.
Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.
Apply in 7 minutes.* Get cash as fast as the same business day when you apply before noon.*
Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.
Getting the cash you need is quick and simple with our title loan process
Complete a simple form from your phone or computer. No store visit, no appointment needed.^ 7 minutes for pre-approval.*
Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.^
Receive a loan estimate based on your car's value and your ability to repay. No obligation.
Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*
Swift Title Loans specializes in online title loans with no store visit for California drivers. From your first application to your final payment, everything happens on your phone, so you never walk into a branch or bring your car in for inspection.
You handle questions, approval, and your loan terms by email, text, and our secure online portal, and where the law allows you can sign your agreement electronically. Once approved, we deposit your funds directly to your bank account.
To finalize your loan we record a lien on your vehicle. In most cases this is done digitally through California's Electronic Lien and Title (ELT) program with the DMV, so there is nothing to drop off. If you hold a paper title, you may need to mail it to us.
When it is time to repay, you can make every payment online.
Here's a real example of a funded title loan from our branch:
2020 Toyota Camry | 2022 Chevrolet Silverado | 2018 Dodge Charger | |
| Loan Term | 24 months | 24 months | 24 months |
| Estimated Vehicle Value | $19,050 | $23,700 | $18,625 |
| Loan Amount | $4,915 | $9,015 | $4,515 |
| Administrative Fee | $75 | $75 | $75 |
| APR | 36.00% | 36.00% | 36.00% |
| Monthly Payment | $290.22 | $532.31 | $266.60 |
| Total Due | $7,040 | $12,850 | $6,473 |
*Real California loan examples. Rates reflect the state's 36% base cap plus the permitted $75 administrative fee, with no hidden fees or prepayment penalties. Your actual rate, term, and amount depend on Swift's underwriting and your ability to repay.
California title loans are legal and regulated under the California Finance Lenders Law (Cal. Fin. Code §22000 to 22780), with oversight by the California Department of Financial Protection and Innovation (DFPI).
| Detail | California Rule |
|---|---|
| Interest rate cap | 36% per year plus the Federal Funds Rate on loans of $2,500 to $9,999 (about 39.63% APR as of June 2026). Loans above $10,000 have no state rate cap. |
| Loan amount | No state minimum or maximum. Based on your vehicle's value and ability to repay. |
| Repayment term | 12 to 60 months, with fixed monthly payments. |
| Rollovers | Not allowed. |
| Administrative fee | $75. |
| Late fees | Up to $10 at 10 days late, $15 at 15 days late. One per missed payment. |
| Loan Amount | Term | Base APR | Amortized Interest | Administrative Fee | Total Due |
|---|---|---|---|---|---|
| $3,500 | 12 months | 36.00% | $700.49 | $75.00 | $4,275 |
| $6,000 | 12 months | 36.00% | $1,200.84 | $75.00 | $7,276 |
| $9,000 | 12 months | 36.00% | $1,801.25 | $75.00 | $10,876 |
Figures reflect a 36% annual rate plus a $75 administrative fee. Actual rates and terms vary by lender and your ability to repay; review your disclosures before signing.
Always review your written disclosures before signing.
If you've found yourself in a difficult financial position and need access to cash, you may qualify for an instant online title loan. Check the requirements and get started!
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A title loan is a real financial commitment, so borrow only what you need and make sure the monthly payment fits your budget.
Before you sign, review your full cost: APR, fees, payment schedule, and total due. There is no prepayment penalty, so you can pay off early and save on interest.
You can verify any California lender on the DFPI license list or NMLS Consumer Access.
Quick answers to help you feel confident about title loans.
Title Loans. No Inspection.
Get a free quote in 7 minutes.* No store visit required.^ Same-day funds available.*
207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449
Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief — they are not designed to serve as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Online applicants should be aware that verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.
Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.
USA PATRIOT ACT — ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.
*Completing the online request may take about seven minutes. Funding is subject to approval, document review, and receipt of all required signed documents submitted before noon local time on a business day.
^About “no store visit” and “no inspection”: These terms mean no in-person store visit or walk-around vehicle inspection at a branch. Applicants are still required to submit photos and/or videos of the vehicle, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require an in-person visit by law for title verification, and we may require an in-person inspection if vehicle condition cannot be fully assessed from photos or videos. Loan availability, terms, and approval depend on state law and individual qualifications.
If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.