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 San Jose, 95113

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

Address

98 E San Fernando St unit A, San Jose, CA, 95113

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Looking for a fast loan?

Ready to get started?

Apply Online or simply Call us!

Car Title Loans in San Jose, CA – Fast Approval!

Are you a San Jose resident in need of quick cash?

We offer title loans with fast pre-approval, even if you have a bad credit score. Whether you need funds to cover an emergency or unexpected expenses, our process is straightforward and quick. Apply online today, and you could have the funds in your account by the end of the day.


Key Takeaways

  1. Get up to $5,000 using your car’s title as collateral.
  2. No credit checks needed for certain loan types.
  3. Receive funds the same day you apply.
  4. Flexible repayment terms ranging from 2 to 4 years.
  5. Keep driving your car while repaying the loan.

How Much Can I Borrow?

The loan amount you qualify for depends on your car’s value, make, model, condition, and proof of income, which demonstrates your ability to repay the loan. Typically, you can borrow between $2,500 to $5,000.


What is a Title Loan?

A title loan is a secured loan that uses your vehicle’s title as collateral. It’s ideal for those who need cash quickly and have a vehicle in their name. Even with bad credit, you can still get approved since our focus is on your vehicle’s value and proof of income.


Title Loan Requirements: What Do I Need to Apply?

  • A clear or nearly clear vehicle title
  • Proof of residency in San Jose, CA
  • Proof of income (not necessarily a paycheck)
  • Government-issued ID

Can I Apply Online?

Yes! Apply online, get pre-approved within minutes, and receive funds the same day.


Example of How a Typical Car Title Loan Works

Examples Honda Civic 2011 Toyota Corolla 2017
Vehicle Value $12,500 $22,000
Title Loan Amount $3,000 $7,500
Loan Term 24 months 36 months
APR 82.45% 87.32%
Fees $90 $90
Monthly Payment Amount $325 $775

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


Advantages of Using Our Services in San Jose

  • Fast Approvals: Get approved within hours.
  • No Credit Checks: Some loans don’t require a credit check.
  • Keep Your Vehicle: Continue driving your car while repaying the loan.
  • Flexible Terms: Choose repayment plans between 2 to 4 years.
  • No Prepayment Penalties: Pay off your loan early with no extra fees.

Disadvantages of Using Title Loans

While title loans can be a quick solution for urgent cash needs, keep in mind that they come with interest rates ranging from 84% to 150% APR. Ensure that you can make the repayments to avoid vehicle repossession.


Available Loan Services in San Jose, CA

Service

Description Loan Amount APR Loan Term Loan Type Collateral Origination Fees

Title Loans

Loans secured by your vehicle’s title $2,500-$5,000 Up to 150% 2-4 Years Title Loan Yes Up to 10% of loan amount

Cash Loans

Immediate cash for urgent needs $100-$1,000 Up to 400% 14-30 Days Payday Loan No $45 Per Loan

No Credit Check Loans

Fast approval without credit checks $100-$1,000 Up to 400% 14-30 Days Payday Loan No $45 Per Loan

Installment Loans

Ideal for amounts between $1,000-$5,000 $1,000-$5,000 170% Avg. 9-18 Months Installment Loan No Up to 2.5% of loan amount

Same Day Loans

Quick approval, minimal documentation $1,000-$5,000 170% Avg. 9-18 Months Installment Loan No Up to 2.5% of loan amount

Frequently Asked Questions

Can I Keep My Car if I Get a Title Loan?
Yes, you keep driving your car while making loan repayments.

How Long Does It Take to Get Approved?
If you apply online, approval can take as little as a few hours. Get cash the same day if approved by noon.

Can I Apply for Both Title and Payday Loans?
Yes, you can apply for both options and choose the one that offers better terms. If you need assistance, call us for guidance.

What’s the Interest Rate for Title Loans in San Jose?
Rates vary but can range between 84% to 150% APR for title loans. For payday loans, rates can go up to 400% APR. Choose the loan type that best suits your needs.

Is There a Title Loan Calculator Available?
Yes! Use our Title Loan Calculator to see your estimated monthly payments and loan costs.

Do I Need a Bank Account to Get a Loan?
No, a bank account is not necessary for approval.

Can I Get a Loan if I’m Unemployed?
Yes, as long as you can show proof of income, even if it’s not a traditional paycheck.


Get Cash Fast in San Jose – Apply Today!

Need cash urgently?

Use your car’s title for a quick loan at 98 E San Fernando St Unit A, San Jose, CA 95113. Apply now, and you could have funds in your account by the next business day.

No matter your credit—Faster Than Ever!

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