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 Sacramento, 95816

How It Works in Sacramento, 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

Riya K.
Riya K.
I had a great experience with their monthly installment loans! The flexible payment options made it really easy to manage my budget while getting the funds I needed.
Jimmy A.
Jimmy A.
You would think that you need a tie to something to get a title loan, right? Well, that is true but, the man at Swift Title Loans helped me figure out how to get a title. I had to go to the DMV and fill out some papers to get it. After I proved to them that the car belongs to me, they issued a new title for me.
Mark T.
Mark T.
There's nothing like fast cash title loans to get me through a rough spot! It's really great that I can apply anytime I need quick cash, but even better that they are so fast. They are my go-to when I'm short on funds.
John C.
John C.
Title and payday loans can both get you cash quickly, but I've learned to avoid payday loans. They're tricky, because you and end up taking more and more until there's no end and how will you ever pay them back? Title loans are longer term and you know when you finish paying them off in monthly installments, that's the end. You're done.
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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 – Sacramento, CA

Address

3002 Capitol Ave unit B, Sacramento, CA, 95816

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Sacramento, CA

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

2015 Honda Civic

2019 Ford Ranger

Loan Term24 month36 month
Estimated Vehicle Value$15000$33000
Loan Amount$3193$4221
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$231.40$255.09
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 Get a Title Loan in Sacramento, California?

To secure a title loan in Sacramento, California, consider applying online with Swift Title Loans. It's fast, easy, and you receive a no-obligation estimate. While there are many lenders along major streets and areas like J Street and Franklin Boulevard, remember to choose a licensed lender like Swift Title Loans that adheres to California's state laws.

What Documents Do I Need to Apply For a Title Loan With Swift Title Loans in Sacramento, California?

You'll need the following documents to qualify for a title loan with Swift Title Loans:
  • A valid form of identification (like a driver's license)
  • The title to your vehicle, showing you as the owner
  • Proof of income (This could be a pay stub, bank statement or another form)
  • Proof of residence (Utility bills work well for this)

Are There Any Restrictions on How I Can Use My Title Loan in Sacramento?

No, there are no restrictions. Once the title loan from Swift Title Loans is approved and disbursed, you are free to use the funds for any purpose. Whether it's emergency expenses, medical bills, or unplanned travel, your title loan is your money to use as needed.

What Happens if I Cannot Pay Back My Title Loan in Sacramento, California?

At Swift Title Loans, we understand that circumstances can change. If you find yourself unable to meet the repayment schedule, please contact our customer service team immediately. We'll discuss your situation and look for potential solutions. Remember, California law requires licensed lenders to provide fair and considerate treatment to all borrowers, so don't hesitate to reach out.

Is My Bad Credit a Problem for Getting a Title Loan in Sacramento, California?

No! At Swift Title Loans, we offer loans based on the value of your vehicle, not your credit score. So even if you have bad credit or no credit history, you can still apply for a title loan and potentially receive the funds you need.

How Long Does it Take to Get Approved for a Title Loan in Sacramento, California?

With Swift Title Loans, approval times can be remarkably fast. After you submit your application and the necessary documentation,


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

256-bit SSl

TLS Security

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