Swift Title & Payday Loans

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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

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.

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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.

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

Customer Reviews

Carson H.
Even with a low credit score, securing personal loans bad credit in San Bernardino was simple through this service. The process was fast and the funds were deposited quickly. It gave me the financial help I needed when other options were limited.
Aditya R.
Finding loans with bad credit in San Bernardino was way harder than I thought until I went to Swift Title Loans. Oakley said hi like she already knew me, not like I was just some customer with bad credit. She didn't make me feel dumb or rush me—she just helped me get what I needed. The paperwork was easy, and she explained everything simply. Text updates on the loan would be cool, but otherwise, it was helpful. Seriously, Oakley made all the difference.
Ravi K.
Swift Title Loans was a lifesaver when I needed quick cash with their car title loans. The process was smooth, and I got the money I needed without any stress definitely recommend them for anyone in a pinch!
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.
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
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.

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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Key Takeaways:

  1. Borrow up to $50,000 using your car’s title as collateral.
  2. No credit checks required for certain loans, and if needed, it’s not the main factor for loan approval.
  3. Flexible repayment terms between 2-4 years with no prepayment penalties.
  4. You can keep driving your car while repaying the title loan.
  5. Receive funds the same day if you apply early.

What is a Car Title Loan and How We Can Help in San Bernardino?

A car title loan is a secured loan that uses your vehicle’s title as collateral. It’s ideal for San Bernardino residents who need quick cash, even with bad credit. You can borrow up to $50,000 based on your car’s value and proof of income.

For access to cash by the next business day, visit us at 448 N Waterman Ave #1, San Bernardino, CA 92410, or apply online. Don’t worry if you have a bad credit score or past bankruptcy—you can still be approved for an instant loan!

Title Loans in San Bernardino

Did you know? San Bernardino’s extensive freeway network makes title loans a popular choice, allowing locals to get fast cash while still keeping their cars for daily drives on the I-10 and I-215.


How Does the Title Lending Process Work?

The process is straightforward:

  1. Apply Online or Visit Us: Fill out a simple application form.
  2. Get Approved: We evaluate your car’s value and proof of income (doesn’t need to be a traditional paycheck).
  3. Receive Your Cash: You may receive funds the same day if you apply early.

Loan Services Available in San Bernardino, CA

Service Description Amount APR Loan Term Loan Type Collateral Origination Fees
Title Loans Secured by vehicle’s title $2,000-$50,000 Up to 150% 2-4 Years Title Loan Yes Up to 10% of loan amount
Cash Loans Instant cash for urgent needs $100-$1,000 Up to 400% 14-30 Days Payday Loan No $45 per loan
No Credit Check Loans No credit checks needed $100-$1,000 Up to 400% 14-30 Days Payday Loan No $45 per loan
Installment Loans For amounts between $1,000-$5,000 $1,000-$5,000 170% Avg. 9-18 Months Installment Loan No Up to 2.5%
Quick Loans Quick cash disbursement $1,000-$5,000 170% Avg. 9-18 Months Installment Loan No Up to 2.5%

Note: Our repayment schedules have no hidden fees or prepayment penalties.


Frequently Asked Questions (FAQs)

How Much Money Can I Borrow with a Title Loan?
You can borrow between $2,500 to $50,000, depending on your car’s value and proof of income.

What Are the Interest Rates for Title Loans?
Title loans have interest rates between 85% to 150% APR, while payday loans can go up to 400% APR.

Do I Need a Credit Check to Get a Title Loan?
No credit checks are required for some loans, and if needed, it’s not the primary factor for approval.

What Documents Are Needed for Title Loans in San Bernardino?

  • Vehicle title
  • Proof of residency
  • Proof of income (not necessarily a paycheck)
  • Government-issued ID

Can I Keep My Car While Repaying the Loan?
Yes, you can continue driving your car while making loan payments.

What Happens if I Miss a Payment on My Title Loan?
We only use repossession as a last resort. If you miss a payment, reach out to us, and we’ll work with you to find a solution.

Can My Car Be Repossessed?
If the loan isn’t repaid as agreed, the lender has the legal right to repossess the vehicle to recover the outstanding loan amount.

Is There a Title Loan Calculator to Estimate My Payments?
Yes! Use our Title Loan Calculator to see your estimated monthly payments.

What Counts as Proof of Income for a Car Title Loan?
Car title loans are more flexible than traditional loans. Acceptable proof includes:

  • Pay stubs
  • Social Security statements
  • Bank statements
  • Workers’ compensation letters
  • Tax returns
  • Disability payments

Example of a Typical Car Title Loan

Examples Toyota Corolla 2015 Ford F-150 2018
Vehicle Value $13,500 $24,000
Title Loan Amount $4,500 $9,500
Loan Term 24 months 36 months
APR 88.49% 90.75%
Fees $90 $90
Monthly Payment Amount $375 $820

Note: No prepayment penalties apply.


Why Choose Us for Title Loans in San Bernardino?

  • Fast Approvals: Get approved within hours.
  • No Credit Checks for Some Loans: If a check is needed, it’s not the primary factor.
  • Keep Your Vehicle: Use your car’s title while continuing to drive it.
  • Same-Day Funding: You may receive funds the same day if you apply early.

Title Loans in San Bernardino


San Bernardino Residents – Need Fast Cash?

If you’re a San Bernardino resident in need of fast cash, we’re here to help. Apply today and borrow up to $50,000. The process is simple, and you could have cash in your account by the end of the day. Swift Title Loans – Faster Than Ever!

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


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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