Swift Title Loan

Get a title loan near you!

All Credit Histories Considered!

Visit Our Branches (888) 557-7115
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Easily application process

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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 Sarasota

How It Works

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

01

Visit Your Branch

Stop by your nearest Swift Title Loans branch or call us at (888) 557-7115. No appointment needed, just walk in.

02

Bring Your Documents

Bring your vehicle, your vehicle title, a valid government-issued ID, and proof of income. Our team will inspect your car at the branch.

03

Get Approved on the Spot

Our team reviews everything in person and gives you a fast approval decision on the spot, based on your car's value and your ability to repay.

04

Receive Your Cash

Once approved, walk out with your cash the same day. Keep driving your car while you repay. Same-day funding available.*

Bad credit or past bankruptcy? All welcome. Borrow up to 50% of your car's value based on your vehicle's equity, your ability to repay, and state regulations. A quick in-person review at your local branch, no obligation. Visit your nearest branch, our team handles everything in person, and once approved, get funds as fast as the same business day.*

Locations in Sarasota

6598 South Tamiami Trail #3
Sarasota, FL 34231
(941) 236-5313
View the Location page →
934 N Beneva Rd #8
Sarasota, FL 34237
(941) 499-5924
View the Location page →

Florida Title Loan Regulations and Key Details

Florida writes its title loan rules into a single statute, the Florida Title Loan Act at Chapter 537, Florida Statutes. The Act caps interest by loan size, fixes the term at 30 days, and spells out what a licensed lender must do before and after a repossession.

Florida Title Loan Rules at a Glance

Rule What Florida Allows
Legal structure A loan under the Florida Title Loan Act, made by a state-licensed lender
Interest cap 30% per year on the first $2,000 of principal, 24% per year on the part from $2,000.01 to $3,000, and 18% per year above $3,000 (§ 537.011)
How interest is computed Simple interest only; a 30-day month is charged one twelfth of the annual rate
Amount No state minimum and no state maximum
Term 30 days, extendable in 30-day periods by mutual consent (§ 537.011)
Extensions The rate can never exceed the original agreement, and unpaid interest cannot be capitalized into the principal
Prepayment No prepayment penalty at any time (§ 537.013)
Repossession Only after 30 days past maturity or extension with no payment, and only through a licensed repossession agent (§ 537.012)
Sale of the vehicle 10 days written notice with a full accounting first, and you may redeem the car any time before the sale
After a sale Proceeds above what you owe come back to you within 30 days, and the Act gives no claim to a deficiency

What a Title Loan Costs in Florida

Because the cap is an annual rate that steps down as the amount grows, a 30-day period costs one twelfth of the yearly figure, and a larger loan carries a lower blended APR.

On $2,000 the math runs 30% divided by 12, or 2.5% for the month, which is $50. On $5,000 the first $2,000 is charged at 30%, the next $1,000 at 24%, and the last $2,000 at 18%, blending to 24% for the year.

The table shows the statutory maximum, not a quote; what a lender offers you depends on your vehicle, the amount, and the term.

You Borrow Period Maximum Charge Total Due at End of Period APR at That Maximum
$1,000 30 days $25 $1,025 ~30%
$3,000 30 days $70 $3,070 ~28%
$5,000 30 days $100 $5,100 ~24%

Renewing repeats the charge on the same principal, so a $3,000 loan extended through three months would cost $210 in interest at the maximum.

Consumer Protections in Florida

Governing law: the Florida Title Loan Act at Chapter 537, Florida Statutes. The rate tiers and the 30-day term sit in section 537.011, and the repossession, notice, and surplus rules sit in section 537.012. Lenders are licensed and examined by the Florida Office of Financial Regulation, which also takes borrower complaints.

Why Choose Swift Title Loans?

Friendly In-Person Service

Visit your nearest Swift Title Loans branch and our friendly team will help you in person, no waiting in line.

No Physical Car Inspection

Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.

Bad Credit? All Welcome.

Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.

Same-Day Funding Available

Get approved on the spot. Walk out with cash as fast as the same business day when you visit before noon.*

Free Service. No Obligation.

Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.

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

Same-Day Funding*

Bad Credit Loans

Local Branch Service

Process

Visit your nearest branch

Upload photos of your car

E-sign documents from home

Get funds deposited to your account

Requirements

Car details

Personal details

Car title in your name

Government-issued ID

Vehicle photos

Proof of income

Benefits

Friendly in-person service

No physical car inspection

No prepayment penalties

No hidden fees

Quick funding

Same-day funding available*

Example of Title Loans Funded in

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

2020 Mazda CX-30

2015 Ford Maverick

Loan Term24 month36 month
Estimated Vehicle Value$26000$18000
Loan Amount$3634$2830
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$263.36$171.03
Monthly Interest5.005.00
APR60.00%60.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Title Loan Offers for 2026

Need fast cash in Sarasota? Visit your nearest Swift Title Loans branch or call (888) 557-7115. Get approved on the spot with same-day funding available.*

Visit Our Branches (888) 557-7115

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

### Frequently Asked Questions About Title Loans in Sarasota, Florida #### Q1: What are the eligibility requirements for obtaining a title loan in Sarasota, Florida?

To qualify for a title loan in Sarasota, you typically need to meet the following criteria: - You must be at least 18 years old. - You should own a vehicle with a clear title. - You need to provide a valid government-issued ID. - Proof of income may be required to verify your ability to repay the loan. #### Q2: How much money can I borrow with a title loan in Sarasota?

### Frequently Asked Questions About Title Loans in Sarasota, Florida #### Q1: What are the eligibility requirements for obtaining a title loan in Sarasota, Florida?

In Florida, you can borrow up to 50% of your vehicle's value, depending on the lender's assessment. The exact amount can vary based on your vehicle's condition, make, model, and market demand. Swift Title Loans offers competitive rates, so apply for a quick estimate to see how much you may qualify for. #### Q3: Where can I get a title loan in Sarasota?

### Frequently Asked Questions About Title Loans in Sarasota, Florida #### Q1: What are the eligibility requirements for obtaining a title loan in Sarasota, Florida?

You can apply for a title loan online through Swift Title Loans for a fast, no-obligation estimate. Additionally, local title loan lenders may be found near major streets such as Tamiami Trail or Fruitville Road. Always ensure you choose a licensed lender to comply with Florida state regulations. #### Q4: What documents do I need to provide to secure a title loan?

### Frequently Asked Questions About Title Loans in Sarasota, Florida #### Q1: What are the eligibility requirements for obtaining a title loan in Sarasota, Florida?

When applying for a title loan, you will typically need to submit the following documents:
  • Title to your vehicle, free of liens
  • Government-issued photo ID (e.g., driver's license or passport)
  • Proof of income (pay stubs, bank statements, etc.)
  • Proof of residency (utility bill, lease agreement)
Having these documents ready can speed up your application process. #### Q5: Are there any credit score requirements for title loans in Sarasota?

### Frequently Asked Questions About Title Loans in Sarasota, Florida #### Q1: What are the eligibility requirements for obtaining a title loan in Sarasota, Florida?

Title loans in Sarasota are often available to borrowers with bad credit, as the loan is secured against the vehicle. Lenders like Swift Title Loans primarily focus on the value of your vehicle rather than your credit score. This means you still have options even with poor credit. #### Q6: How long does it take to get approved for a title loan in Sarasota?

### Frequently Asked Questions About Title Loans in Sarasota, Florida #### Q1: What are the eligibility requirements for obtaining a title loan in Sarasota, Florida?

Approval times can vary, but many borrowers receive approval within minutes when applying online with Swift Title Loans. Once


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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.

Visit Our Branches (888) 557-7115
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207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449

Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief, not as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.

Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.

USA PATRIOT ACT, ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.

About branch visits and vehicle review: When you visit a Swift Title Loans branch, our team reviews your vehicle in person, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require additional steps by law for title verification. Loan availability, terms, and approval depend on state law and individual qualifications.

If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.

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