Swift Title & Payday Loans

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Bad credit & past bankruptcies? All welcome!

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Get cash and keep your car

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Title Loans in San Bernardino, 92410

How It Works in San Bernardino, CA

Getting the cash you need is quick and simple with our title loan process

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Apply in Minutes

Apply online or give us a call. No mountains of paperwork!

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Use Your Car Title

Your vehicle stays with you; we just hold the title as collateral.

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Get a Quick Evaluation

We’ll estimate your loan based on your car’s value and your ability to repay.

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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

Alia L.
Alia L.
Securing a loan using my car as collateral through them was a stress-free experience. The straightforward process, fair terms, and quick approval made it a reliable choice for obtaining the funds I needed while keeping my car as collateral.
Yaprak K.
Yaprak K.
Before I discovered this firm, I was struggling to find a good firm who provides speedy cash car title loans on simple and considerate conditions.
Nina
Nina
If you're seeking a loan with your car title, this company provides comprehensive solutions. Their procedures are transparent and efficient, and they offer competitive terms. I felt confident and reassured in their expertise throughout the entire loan process.
Graham K.
Graham K.
Sometimes I wonder why people go ot all the trouble of selling their home to get money. For anyone who doesn't know - in many cases you can get second lien title loans. You don't have to say why you need the money, but it's easy to apply for online.
Opal C.
Opal C.
I needed quick cash and turned to this loan company for title and payday loans. They provided a hassle-free experience and helped me get the funds I needed. Highly recommend their services!
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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 – San Bernardino, CA

Address

448 N Waterman Ave #1, San Bernardino, CA, 92410

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in San Bernardino, CA

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

2016 Nissan Rogue

2017 Nissan Sentra

Loan Term24 month36 month
Estimated Vehicle Value$15000$14000
Loan Amount$3708$2699
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$268.72$163.11
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?

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Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Which regulations must lenders like Swift Title Loans adhere to in San Bernardino, California?

In California, title loan lenders like Swift Title Loans must adhere to the California Financing Law. The law doesn't set any cap on the amount one can borrow, however, loans under $2500 have interest rate caps. All lenders must be duly licensed by the California Department of Business Oversight.

Where can I find Swift Title Loans in San Bernardino, California?

You can easily apply for a Swift title loan in San Bernardino, California, online at the comfort of your home. You can also find lenders in major areas along the W. Highland Ave or by the N. Waterman Ave. Remember, choose only licensed lenders like Swift Title Loans that comply with state laws for your security and peace of mind.

What happens if I can't repay my title loan from Swift Title Loans?

If you're unable to repay your loan, under California law, Swift Title Loans will first attempt to work out a payment plan with you. If that effort fails, Swift Title Loans may initiate the process of repossessing your vehicle.

Can I apply for a title loan in San Bernardino if I have bad credit?

Yes, you can! At Swift Title Loans, we offer assistance to borrowers with all types of credit histories. Your vehicle's value is the primary consideration when applying for a car title loan with us. Your credit score won't disqualify you.

How quickly can I get a title loan from Swift Title Loans in San Bernardino, California?

You can get your cash as quickly as the same day you apply! The online application process is easy and if you supply all necessary documents promptly, the loan can be approved within minutes, making Swift Title Loans a suitable solution for your emergency monetary needs.

What documents do I need to provide to apply for a title loan with Swift Title Loans?

When applying for a title loan with Swift Title Loans, you'll be required to provide the following documents:
  1. A valid government-issued ID (like a driver's license)
  2. The original title of your vehicle
  3. Proof of income (like pay stubs or bank statements)
  4. Proof of residency (like a utility bill in your name)
Ready to get started? Apply for


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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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How much can I borrow?

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