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

02

Get cash and keep your car

03

Repay loan and get title back

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Title Loans in Richmond, 23230

How It Works in Richmond, VA

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 Virginia: Regulations & Key Details

In Virginia, title loans provide a quick solution for those in need of emergency funds, especially for individuals facing credit challenges. It is vital to understand the specific regulations and requirements to ensure a compliant borrowing experience.

Loan Amount Range Fees & APR Repayment Terms Unique State Law Conditions
$1,000 - $10,000 15% per month; 180% APR max 1 to 12 months Licensed lenders must follow the Virginia Title Loan Act, requiring clear disclosures.

Virginia's laws, as outlined in the Virginia Code § 6.2-2200, stipulate that all title loans must be offered by licensed lenders who adhere to strict regulations. Potential borrowers should ensure that their lender complies with these laws for a safe borrowing experience. Borrowers in Richmond, Virginia Beach, and Norfolk can apply online with Swift Title Loans for a fast, no-obligation estimate. Make sure to choose a licensed lender to protect your rights and financial well-being.

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 – Richmond, VA

Address

1018 N Arthur Ashe Blvd STE 3, Richmond, VA, 23230

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Email

service@swiftloans.com

Customer Reviews

Clifton J.
After my old car finally broke down, I needed auto loans with bad credit. This loan officer was kind and gave me a thorough rundown of all my options. approved the same day and took a much better car off the lot.
Gearldine L.
Before I looked into bad credit loans, having bad credit felt like a dead end. It helped me pay for some unforeseen repairs without getting into more trouble, and the terms were reasonable given my score.
Jaikaran S.
Swift Title Loans made the process of pawning my car title incredibly smooth and efficient. Their service was quick and professional, helping me secure the funds I needed without any hassle.
Norahmad Y.
Securing a loan against my car and still drive it was a game-changer, and the service provided by [Business Name] exceeded my expectations. The process was not only convenient but also allowed me to access the funds I needed without any disruption to my daily life—a highly recommended solution for anyone seeking flexibility and financial support.
Dawn C.
I found Swift Title Loans in serch for nw title loans. Their application procedure was much faster and easier than expected. The staff's competence, experience, and patience throughout the process made everything seamless. I'm very plesed with their service.
Anthony D.
Bad credit loans guaranteed approval for $1,000, debt consolidation bad credit, were never easier to understand thanks to Megan at the Loan For Any Purpose facility and explained title pawn loan calculator. They answered all of our questions in detail.

Example of Title Loan Funded in Richmond, VA

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

2019 Chevrolet Traverse

2020 Volkswagen Tiguan

Loan Term24 month36 month
Estimated Vehicle Value$30000$27000
Loan Amount$3843$3658
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$278.51$221.07
Monthly Interest5.005.00
APR60.00%60.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Title Loan Offers for 2026

Need fast cash in Richmond, VA? 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

Getting Cash Loans in Richmond

Why worry about cash when you can get up to $50,000 in only one business day! It is super fast when you use your car title as security for a fast title loan in Richmond. Submit your vehicle title with your online inquiry and get an instant response.

Cash in Your Account the Easy Way in VA

Owners of cars, trucks or motorcycles in Richmond have easy access to instant cash. Apply online or come into 1018 N Arthur Ashe Blvd STE 3, Richmond, VA 23230 to get started. Within minutes you can get an offer to sign. By using only your vehicle’s value as security, you can continue to drive. Apply now – it’s free!

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What are title loans?

Title loans are a type of short-term secured loan where the borrower uses the title of their vehicle as collateral. If the borrower fails to repay the loan within the agreed terms, the lender has the right to take possession of the vehicle and sell it to repay the loan debt.

Can I qualify for a title loan with bad credit in Richmond, Virginia?

Yes. Swift Title Loans in Richmond, Virginia, focuses more on the value of your vehicle and less on credit scores. So, even with bad credit, you can qualify for a title loan as long as you own a car with a clear title.

What legal regulations govern title loans in Richmond, Virginia?

In Richmond, Virginia, title loans are regulated by the Virginia Bureau of Financial Institutions. These regulations include a cap on interest rates, clear guidelines on contract terms, among others. This ensures consumers are protected from predatory lending practices.

What are the document requirements for a title loan in Richmond with Swift Title Loans?

To apply for a title loan in Richmond, Virginia with Swift Title Loans, you will need:
  • The vehicle's clear title
  • Your government-issued photo ID
  • Proof of Virginia residency
  • Proof of income
  • Photos of your vehicle

Where can I get a title loan in Richmond, Virginia?

Swift Title Loans makes it easy to apply for a title loan in Richmond, Virginia. You can apply online from the comfort of your home for a fast, no-obligation quote. Alternatively, you may find lenders in major areas like Cary Street, Broad Street, and around the Short Pump region. When selecting a lender, ensure they are licensed and adhere strictly to all state regulations.

Can I use my motorcycle for a title loan in Richmond, Virginia?

Yes, at Swift Title Loans, you can use a motorcycle as the collateral for a title loan. Ensure you have a clear title for the motorcycle, and it is in good operating condition.

What happens if I can't repay my title loan on time?

It's crucial to ensure you understand your repayment terms before taking out a title loan. If you can't repay on time, Swift Title Loans may provide options such as loan rollovers. However, under Virginia law, lenders can seize the vehicle if


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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