Swift Title Loan

Sign up by noon, get cash today!

Bad credit & past bankruptcies? All welcome!

How much can I borrow?

High Security

256-bit SSl

TLS Security

01

Easily apply online

02

Get cash and keep your car

03

Repay loan and get title back

You are here:

Home Stockton

Title Loans in Stockton, 95206

How It Works in Stockton, 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.

03

Get a Quick Evaluation

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

04

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 – Stockton, CA

Address

3536 Manthey Rd #103, Stockton, CA, 95206

Open Hours

Mon - Fri

9am - 7pm

Saturday

10am -5pm

Sunday

Closed

Phone

1 888 903-0217

Example of Title Loan Funded in Stockton, CA

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

2020 Honda Accord

2021 Ford Maverick

Loan Term24 month36 month
Estimated Vehicle Value$30000$22000
Loan Amount$4934$5949
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$357.57$378.98
Monthly Interest5.005.42
APR60.00%65.00%

*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?

High Security

256-bit SSl

TLS Security

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Where can I get a title loan in Stockton, California?

You can apply for a title loan online with Swift Title Loans for a fast, no-obligation estimate. Plus, you'll find licensed lenders along major areas like Pacific Avenue and March Lane. Remember, it's crucial to select a lender that follows California state laws.

What is the maximum amount I can borrow using a title loan in Stockton, California?

According to California state law, title loan amounts range from $2,510 to $50,000. The actual amount depends on the value of your vehicle and your ability to repay the loan.

How can I qualify for a title loan in Stockton, CA if I have bad credit?

At Swift Title Loans, we do consider applicants with bad credit. Your vehicle's value and your repayment ability are the primary factors we use for consideration, not your credit score.

What documents do I need to apply for a title loan with Swift Title Loans in Stockton, CA?

To apply for a title loan, you will need to provide the following documents:
  • Proof of California residency (e.g., a recent utility bill)
  • Valid ID (California driver's license or state ID)
  • Free-and-clear vehicle title
  • Proof of income (e.g., payslip, bank account statement, or government benefits statement)

Can I get a title loan in Stockton without a job?

Yes, you can. Swift Title Loans considers various forms of steady income, not just employment, such as retirement benefits, disability benefits, or self-employment income.

How long does the title loan approval process take at Swift Title Loans in Stockton?

Swift Title Loans are known for their quick approval process. Generally, you can receive an approval decision and loan estimate within just a couple of hours after applying.

Can I keep driving my car while repaying the title loan in Stockton, CA?

Absolutely! At Swift Title Loans, we understand how important your vehicle is. You can continue to drive your car as usual while you repay your loan. If you have more questions, we at Swift Title Loans - Stockton are here to assist you. Apply online today for a fast, no-obligation loan


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.

Title Loans in Modesto

August 28, 2024

How Do No Credit Check Title Loans Work?

Do you need quick cash but worry about your credit score? Our no-credit-check auto title loans offer a hassle-free solution

Less than 1 min read

Title Loans in Modesto

June 18, 2023

Get Your Cash Now: How to Get a Title Loan

Imagine unlocking the hidden value in your car to get the cash you need right now. No, we’re not talking

Less than 1 min read

Title Loans in Modesto

May 20, 2013

How Do Title Loans Work?

Car title loans offer access to fast cash while using your car as collateral. Knowing how title loans work increases

Less than 1 min read

Fast Title Loans

Get pre-approved for your title loan in under 5 minutes. Quick start, because your time is precious.

How much can I borrow?

High Security

256-bit SSl

TLS Security