Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
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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
Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome!
Easily apply online
Get cash and keep your car
Repay loan and get title back
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If you own your vehicle in South Carolina, a title loan lets you borrow against its value and keep driving it while you repay.
How much you can borrow is based on your vehicle's equity and your ability to repay, not your credit score, so drivers with less-than-perfect credit can still qualify, usually for about 25% to 50% of the car's value.
South Carolina does not cap title loan rates. Under state law, the cost of a title loan can be as high as about 273% APR. The rate Swift Title Loans can offer depends on your lending profile, including your proof of income, your car's equity, and our credit criteria, and stays well below that maximum.
A title loan is still best kept for a short-term emergency, so it pays to compare offers, borrow only what you need, and keep your payments manageable.
With Swift Title Loans, South Carolina residents can start an inquiry online or over the phone and get a free, no-obligation estimate, with no store visit and no in-person inspection.^
Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.
Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.
Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.
Apply in 7 minutes.* Get cash as fast as the same business day when you apply before noon.*
Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.
Getting the cash you need is quick and simple with our title loan process
Complete a simple form from your phone or computer. No store visit, no appointment needed.^ 7 minutes for pre-approval.*
Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.^
Receive a loan estimate based on your car's value and your ability to repay. No obligation.
Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*
We specialize in fully online title loans, so South Carolina drivers handle every step from a phone or laptop. There is no store visit, and no physical inspection.^ Instead of bringing your car in, you upload photos for a virtual inspection, and you keep driving it while you repay.
Same-day funding is possible, but it depends on timing. If you apply before noon, send every document we ask for, and get approved that morning, qualified borrowers can be funded the same day, usually by direct deposit.* If we need more time to verify your details, funding can move to the next business day.
You then make payments online or by phone.
South Carolina records vehicle liens electronically through the Department of Motor Vehicles, so we never hold a paper title. While you repay, the lien sits on your electronic record with the SCDMV.
When your loan is paid in full, we send the SCDMV an electronic release. The state marks the lien satisfied and mails you a clear title, which usually arrives within about two weeks. A same-day title is available over the counter at a branch for an added fee.
The electronic release itself is fast; once we send it, the SCDMV can mark the lien satisfied within 24 to 48 hours.
Why the full timeline can take a few weeks: most of the wait is the payment hold, not the electronic system.
Many lenders hold off 7 to 10 days after a final payment to confirm it has fully cleared and will not be reversed before releasing the lien. In our experience, we release as soon as your final payment clears, so you are not left waiting longer than necessary.
You can review the steps through the South Carolina DMV.
These examples show typical loan amounts and costs received by other borrowers. Your loan amount, terms, and costs may vary based on your vehicle, income, and underwriting review.
2011 Toyota Camry | 2009 Chevrolet Tahoe | 2012 Cadillac Escalade | |
| Estimated Vehicle Value | $2,975 | $2,900 | $9,075 |
| Loan Amount | $915 | $1,000 | $2,600 |
| Loan-to-Value | 31% | 34% | 29% |
| Term | 30 days (renewable) | 30 days (renewable) | 30 days (renewable) |
| Charge for 30 Days | $27 | $30 | $78 |
| Total Due in 30 Days | $942 | $1,030 | $2,678 |
| Approx. APR | ~36% | ~36% | ~36% |
Real Swift Title Loans vehicles funded in South Carolina, shown at an example rate well below the roughly 273% APR that South Carolina title loans can cost. The charge shown is for one 30-day period. Your amount, term, and cost vary by vehicle, income, and underwriting. These are examples, not a quote.
South Carolina lets lenders set the rate, with no cap, but it requires a licensed lender and builds in some real borrower protections. Here is what to know.
| Rule | What South Carolina Allows |
|---|---|
| Rate cap | None. Lenders file a maximum rate schedule; filed rates can run as high as about 273% APR |
| Loan amount | No fixed limit, but it cannot be more than your vehicle is worth |
| Term | At least one month, with up to six renewals, capped at 240 days total |
| Interest on renewals | Cannot be added to the principal; after the sixth renewal, the balance is repaid interest-free in six monthly payments |
| Right to cancel | Repay the principal with no interest or fees by the next business day |
| Deficiency | None, except in cases of fraud. The lender cannot pursue you for a shortfall after a sale |
| Surplus | If the car sells for more than you owe, the surplus is returned to you |
| Regulated by | South Carolina Board of Financial Institutions |
Because South Carolina sets no cap, the rate is whatever the lender has filed with the state, and the cost can run as high as about 273% APR. Swift Title Loans charges far less than that, and your exact rate depends on your vehicle, loan amount, and term.
The first table below shows a filed rate of about 273% APR over a 30-day period so you can compare; the second shows an example at a far lower rate.
| You Borrow | Term | APR | Charge | Total Due |
|---|---|---|---|---|
| $601 | 30 days | ~273% | $137 | $738 |
| $1,000 | 30 days | ~273% | $228 | $1,228 |
| $2,500 | 30 days | ~273% | $569 | $3,069 |
This is an example at a rate far below South Carolina's typical cost. Here is how that looks on the same loan amounts.
| You Borrow | Term | APR | Charge | Total Due |
|---|---|---|---|---|
| $601 | 30 days | ~36% | $18 | $619 |
| $1,000 | 30 days | ~36% | $30 | $1,030 |
| $2,500 | 30 days | ~36% | $75 | $2,575 |
State law requires a notice that this is a higher-interest loan and that you should borrow at a lower rate if you can. Pay it off as soon as possible to keep the cost down.
Governing law: South Carolina Code Section 37-3-413, overseen by the South Carolina Board of Financial Institutions.
South Carolina does not cap title loan rates, and the cost can run as high as about 273% APR, far higher than what Swift Title Loans charges, which is only a fraction of that. It is worth comparing offers from different lenders and borrowing only what you need to keep your costs down, with a plan to repay quickly.
Before you sign, review your full cost: the rate as an APR, the fees, the renewal terms, and the total due. Confirm the exact numbers in your contract.
State law even requires a warning that you should borrow at a lower rate if you can. Paying the loan off early saves you the most.
You can verify any South Carolina lender through the Board of Financial Institutions or NMLS Consumer Access before you borrow.
Some borrowing options can cost less than a title loan, even with poor or no credit, so it is worth a look before you decide.
Many South Carolina credit unions offer small personal loans or payday-alternative loans. Examples include South Carolina Federal Credit Union and Carolina Foothills Federal Credit Union.
It is also worth asking a creditor for a payment plan or speaking with a nonprofit counselor through the National Foundation for Credit Counseling before you put your car on the line.
It helps to know your rights before you borrow. You can review legal rights and advocacy guides at the SC Appleseed Legal Justice Center, or view the exact statutes and report a violation to the South Carolina Department of Consumer Affairs.
Quick answers to help you feel confident about title loans.
Title Loans. No Inspection.
Get a free quote in 7 minutes.* No store visit required.^ Same-day funds available.*
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. They are not designed to serve as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Online applicants should be aware that 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.
*Completing the online request may take about seven minutes. Funding is subject to approval, document review, and receipt of all required signed documents submitted before noon local time on a business day.
^About “no store visit” and “no inspection”: These terms mean no in-person store visit or walk-around vehicle inspection at a branch. Applicants are still required to submit photos and/or videos of the vehicle, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require an in-person visit by law for title verification, and we may require an in-person inspection if vehicle condition cannot be fully assessed from photos or videos. 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.