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 Richmond, 94805

How It Works in Richmond, 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

Melody J.
Melody J.
Struggling to find title loans in my vicinity without proof of income was a challenge until I discovered this lending company. Their flexible options eliminated the usual paperwork hassles, providing me with the funds I needed.
shannon D.
shannon D.
Swift Title Loans demonstrated unparalleled flexibility in their semi title loans, allowing me to navigate my financial needs with ease. Their understanding staff and straightforward process made the experience both convenient and stress-free, making Swift Title Loans my go-to choice for reliable and accommodating semi title loans.
Rex P.
Rex P.
While i was on my search for quick cash title loans, Swift Title Loans came to my rescue. They responded every queries of mine and kept me assured during the whole process. Much obliged for their service 💷🙏.
Athena L.
Athena L.
Swift Title Loans gave me a good interest rate despite my low credit score. Staff were patient and helpful when I required personal title loan for my crises.
Tchotchkes V.
Tchotchkes V.
As soon as I went in, I was given a rundown of all the payday loan places in my area. When it came to the terms of the loans they offered me pawn vehicles, they were both helpful and honest. There is no hesitation on my part to refer anyone else to Kim or Swift Title Loans. Once again, Kim, I value your candor and empathy.
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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 – Richmond, CA

Address

3635 Macdonald Ave ste 302, Richmond, CA, 94805

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Richmond, CA

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

2018 Ford F-Series

2023 Chevrolet Blazer

Loan Term24 month36 month
Estimated Vehicle Value$35000$40000
Loan Amount$4076$5631
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$295.39$340.31
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

256-bit SSl

TLS Security

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where Can I Apply for a Title Loan in Richmond, California?

You can apply for a title loan right here online with Swift Title Loans for a fast, no-obligation estimate. In Richmond, local lenders may be located on major streets like Macdonald Avenue or Cutting Boulevard. Remember, it's essential to choose a licensed lender, like Swift Title Loans, that strictly follows state regulations.

How Quick is the Application Process with Swift Title Loans in Richmond, CA?

At Swift Title Loans, the application process is designed to be fast and efficient. As soon as you submit your online application, we start working on it. Typically, customers can get approved and receive funds on the same day!

Are There Any Requirements for a Title Loan in Richmond, CA?

  • Your vehicle title in your name
  • Proof of income (like recent pay stubs, bank statements, or even government aid statements)
  • Proof of residence (utility bill or lease)
  • Government-issued ID (like your driver's license)
Please note, Swift Title Loans will conduct a quick inspection of your vehicle—done entirely online!

How Much Can I Borrow with a Title Loan in Richmond, CA?

Loan amounts depend on the value of your vehicle and your ability to repay. In California, the minimum loan amount is $2,500, but with Swift Title Loans, you could be eligible for a loan up to $25,000, based on these factors.

Can I Apply for a Title Loan if I have Bad Credit?

Yes, you can! At Swift Title Loans, we welcome applicants with all credit types and backgrounds. While we do consider credit, we focus more on your vehicle's value and your repayment ability. Your credit history should not stop you from getting the emergency funds you need.

Do I Get to Keep My Car During the Loan Term?

Absolutely. When you get a title loan from Swift Title Loans, you maintain full use of your vehicle during the loan term, as long as you keep up with your agreed payment plan.

When Will I Need to Start Paying Back My Title Loan?

Your first payment will typically be due


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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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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