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 lets you borrow against a vehicle you own, using its title as collateral while you keep driving it.
In Tennessee these are called title pledge loans, and they are overseen by the Tennessee Department of Financial Institutions under the state Title Pledge Act.
Tennessee caps title loans at $2,500 per vehicle title.
A title loan is designed for short-term emergency expenses, such as a car repair or medical bill. Borrow only what you need, and make sure the payments fit your budget.
With Swift Title Loans, you can start your application from your phone and see if you pre-qualify in about 7 minutes*, with no obligation. If you prefer, you can also visit one of our nearby locations for assistance.
We specialize in fully online title loans, so Tennessee drivers handle every step from a phone or laptop.
You upload photos of your car for a virtual inspection, and once you are approved, the funds go directly to your checking account. You keep driving your car while you repay.
When your loan is paid off, Tennessee’s electronic lien and title system clears the lien within about 24 to 48 hours, and a paper title is mailed separately in about two to three weeks if you want one.
| Vehicle | Mileage | Vehicle Value | Loan Amount | Funded |
|---|---|---|---|---|
| 2016 Kia Forte | 203,650 | $2,000 | $600 | Jul 2026 |
| 2002 Chevrolet Silverado 1500 | 173,000 | $950 | $600 | Jun 2026 |
| 2015 Chevrolet Camaro | 150,000 | $12,125 | $1,700 | Jun 2026 |
| 2018 Honda Odyssey | 235,252 | $11,825 | $2,500 | Jun 2026 |
| 2007 GMC Yukon XL | 287,707 | $1,713 | $800 | May 2026 |
| 2010 Nissan Murano | 191,928 | $675 | $600 | May 2026 |
| 2013 Nissan Altima | 203,000 | $1,150 | $500 | May 2026 |
| 2003 Ford Explorer | 122,002 | $1,225 | $600 | May 2026 |
| 2002 Chevrolet Tahoe | 215,000 | $1,275 | $600 | May 2026 |
| 2017 Chevrolet Equinox | 150,000 | $2,375 | $1,000 | May 2026 |
These are examples, not a quote. Your amount depends on your vehicle’s value, your income, and Tennessee rules.
Before you sign for a title loan in Tennessee, it helps to know what the state controls. Tennessee caps both the loan size and the monthly charge, and it gives you real protections if you fall behind.
| Rule | What Tennessee Allows |
|---|---|
| Maximum loan amount | $2,500 against a single vehicle title |
| Interest cap | Up to 2% of the principal per month |
| Fee cap | Up to one-fifth, or 20%, of the principal per month |
| Effective cost | Up to about 264% a year once the maximum interest and fee are combined |
| Loan term | 30 days, and you may renew |
| Renewals | From the third renewal on, you must pay down at least 5% of the original principal each time |
| Right to cancel | Cancel by the close of the next business day for a full refund |
| Regulated by | Tennessee Department of Financial Institutions (TDFI) |
The charge is figured on your original loan amount, not the shrinking balance, so you owe the same amount each 30-day period until you pay in full.
Tennessee allows title pledge lenders to charge up to about 264% a year. Swift Title Loans charges far less than that, and your exact rate depends on your vehicle, loan amount, and term.
It is worth comparing offers from different lenders and borrowing only what you need to keep your costs down.
| You Borrow | Term | APR | Charge | Total Due |
|---|---|---|---|---|
| $500 | 30 days | ~36% | $15 | $515 |
| $1,000 | 30 days | ~36% | $30 | $1,030 |
| $2,500 | 30 days | ~36% | $75 | $2,575 |
Each renewal adds the same kind of charge, so the longer you carry the loan, the more it costs. Read your contract closely before you sign.
Governing law: the Tennessee Title Pledge Act, enforced by the Tennessee Department of Financial Institutions.
A title loan is a real financial commitment, so borrow only what you need and make sure you can repay it on time, to avoid extra charges and the risk of losing your vehicle.
Before you sign, review your full cost: the interest, the fee, the payment schedule, and the total due. Always confirm the exact numbers in your own contract, since those are the terms that apply to you.
There is no penalty for paying early in Tennessee, so clearing the loan ahead of schedule lowers what you pay. If you can, it is usually worth doing.
You can verify any Tennessee lender through NMLS Consumer Access or the Tennessee Department of Financial Institutions.
A title loan costs more than most other forms of credit. A few options usually cost less, even with poor or no credit, so they are worth a look first.
Many Tennessee credit unions offer small personal loans or payday-alternative loans for a fraction of a title loan's cost. Examples include Eastman Credit Union and ORNL Federal Credit Union, both based in Tennessee.
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.
Quick answers to help you feel confident about title loans.
Title loans made simple.
Get a free quote online in 7 minutes,* or visit a location near you. 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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