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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A car title loan in Arizona uses your vehicle as collateral. That makes it a secured loan, backed by your car, so you hand the lender your title while you keep driving and paying the loan back.
To qualify, you need a vehicle that is paid off or close to it, and a way to show you can repay the loan. You can show this with proof of steady income, such as recent pay stubs, bank statements, or income from self-employment, Social Security, or disability.
Because the loan is secured by your car rather than mainly by your credit score, many people with low or bad credit still get approved.
With a title loan you can usually borrow about 25% to 50% of your car's value. In the Arizona title loans we have funded between 2024 and 2026, the average loan is around $2,800.
Title loans can be a convenient way to borrow money in Arizona, but they are also expensive and may result in the loss of your vehicle if you default on the loan.
With Swift Title Loans, you can complete the entire process online from home, including the vehicle inspection,^ document upload, receiving funds if approved, and making payments online, all in accordance with Arizona laws and regulations.
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.*
With Swift Title Loans you can get an online title loan with no store visit. Here is how the process works in Arizona, step by step.
You apply online and fill out a short form with your personal details and your vehicle details. If you qualify, you get pre-approved right away, with no obligation to continue.
Next, you send photos of the vehicle and pictures of your documents from your phone, so there is no in-person inspection.^ If you apply early in the day, send everything we ask for, and get approved that morning, funding can happen the same day. If not, it is usually the next business day.*
When the loan is approved, the money can go straight to your bank account by direct deposit. You make your payments online too, so you never have to drive anywhere to pay.
Arizona uses an Electronic Lien and Title system, called ELT, run by the Arizona MVD. That means the lien on your car is held electronically. There is no paper title passed back and forth, which keeps things faster and safer.
When you pay the loan in full, we release the lien electronically and the MVD updates your record. Arizona allows up to 15 business days to release a lien after payoff. You can confirm the lien is gone for free on AZ MVD Now.
If a lender does not release the lien after you have paid, the MVD can step in, and the state can fine the lender between $50 and $500. You can read how Arizona handles this on the Arizona MVD vehicle liens page.
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.
2013 Honda Accord | 2021 GMC Terrain | 2017 Ram 2500 | |
| Mileage | 167,000 | 94,000 | 128,000 |
| Estimated vehicle value | $5,250 | $17,050 | $25,400 |
| Loan amount | $1,500 | $4,500 | $8,500 |
| Most you can be charged (per month) | 15% | 13% | 10% |
| About the same as (yearly rate) | ~180% | ~156% | ~120% |
| Example total to repay (about 4 monthly payments) | about $2,100 | about $6,050 | about $10,725 |
These come from real title loans we have funded in Arizona, shown here as examples. Your amount and cost depend on your car and your income. Notice how the bigger loan has a lower monthly rate but a much larger total, so it pays to borrow only what you need.
Arizona calls these loans "secondary motor vehicle finance transactions." The rules are set in state law at A.R.S. §44-291, and the state regulator is the Arizona Department of Insurance and Financial Institutions (DIFI).
| Rule | What Arizona allows |
|---|---|
| Governing law | A.R.S. §44-291 (secondary motor vehicle finance) |
| Regulator | Arizona DIFI |
| Lender license | Required (Sales Finance Company license) |
| Rate cap | A monthly cap that changes with the loan size (see the cost table) |
| Loan amount | Not set by state law; based on your car's value and your income |
| Loan term | Not set by state law |
| Paying early | Allowed, with money back for interest you did not use |
| If you miss payments | The lender can repossess the car under Arizona's repossession rules |
Arizona sets the most a lender can charge as a monthly rate. The bigger the loan, the lower the monthly rate, but the total cost is still high. These are the legal caps:
| Loan amount | Most you can be charged (per month) | About the same as (yearly rate) |
|---|---|---|
| $500 or less | 17% | about 204% |
| $500.01 to $2,500 | 15% | about 180% |
| $2,500.01 to $5,000 | 13% | about 156% |
| Over $5,000 | 10% | about 120% |
To see what that means in dollars, here is the most a few common loan sizes could be charged for one month:
| Loan amount | Most you can be charged (per month) | Cost for one month | About the same as (yearly) |
|---|---|---|---|
| $500 | 17% | $85 | about 204% |
| $2,100 | 15% | $315 | about 180% |
| $3,000 | 13% | $390 | about 156% |
Those amounts are the cost for a single month. The longer you carry the loan, the more it adds up, which is why paying it off quickly matters.
These two sound alike, but they are not the same thing.
A title loan is backed by your vehicle title. You need a title in your name with no other loan on it. If you do not pay, the lender can take the car.
A registration loan is a different product. It is a small consumer loan under A.R.S. §6-632, often used when the car still has a loan on it, and it is capped at a much lower rate (36% on the first $3,000, and 24% on the part above that). If you are not sure which one a lender is offering, ask them to put it in writing.
A title loan can help in an emergency, but it is one of the most expensive ways to borrow. Use it only after you have looked at other choices.
Borrow the smallest amount that solves your problem, and plan how you will pay it back before you sign. The faster you repay, the less the loan costs you.
Before a title loan, it is worth asking a local credit union about a small personal loan. Arizona options include Desert Financial Credit Union, OneAZ Credit Union, and Hughes Federal Credit Union. For free help with a budget or debt, you can talk to a nonprofit counselor through the National Foundation for Credit Counseling.
Arizona requires title lenders to be licensed. Before you sign with anyone, look them up on the DIFI license search. If a lender is not licensed, do not sign.
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.
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