Title Loans in Chattanooga

You can borrow up to $2,500 against your vehicle title, which is the most Tennessee allows. Your offer is usually about 25% to 50% of your car's value, based on the vehicle and your ability to repay, not your credit score.

In Chattanooga, the loans we have funded since 2024 have ranged from a few hundred dollars up to the $2,500 cap, with a common loan amount around $1,150. For example, a Ford Focus here drew about $1,000.

Tennessee allows title pledge lenders to charge up to about 264% a year. Swift Title Loans charges only a fraction of that, and your exact rate depends on your vehicle and your ability to repay.

The charge applies to your original loan amount each 30-day period, so renewing instead of paying in full brings a similar charge again, and there is no penalty for paying early. At the example rate shown above, a $1,000 loan would cost about $30 for one 30-day period.

You will need proof of identity, proof the vehicle is yours, and proof you can repay. Have these ready:

• A Tennessee driver's license or state ID
• The vehicle title in your name
• Proof of income or ability to repay, such as pay stubs or bank statements
• Proof of a Chattanooga-area address, like a utility bill
• Clear photos of your vehicle and its odometer

It all uploads online, so there is no store visit and no physical inspection.^{^}

Since the title secures the loan, falling behind can lead to repossession and sale of the vehicle. Tennessee still protects you in important ways.

You have 20 days after repossession to redeem the car by paying what you owe, with no new interest or fees during that window. If the car sells for more than your balance, the surplus must be returned to you.

If money gets tight, reach out before you miss a payment so we can review your options together.

Both are fine. Most Chattanooga borrowers do everything online, but our office is open if you would rather stop in:

• 712 Cherry St, Chattanooga, TN 37402, (423) 528-2263

Online, most people pre-qualify in under seven minutes,^* with no store visit and no physical inspection,^{^} and approved funds arrive by direct deposit.

Yes. Tennessee calls them title pledge loans, and they are legal and regulated under the Tennessee Title Pledge Act, overseen by the Department of Financial Institutions (TDFI).

That framework sets the $2,500 limit, the cost rules, your right to cancel by the next business day, and the repossession and surplus protections. A loan from an unlicensed lender is void, so you can confirm a lender through NMLS Consumer Access before you borrow.