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Title Loans in Tennessee

In a Nutshell: Car Title Loans in Tennessee

Title loans are legal in Tennessee and are regulated under the Tennessee Title Pledge Act, T.C.A. Title 45, Chapter 15. Lenders are licensed by the Tennessee Department of Financial Institutions, and you keep driving your car while the loan is outstanding.

Tennessee caps a title pledge at $2,500 per vehicle title. What you are offered inside that ceiling depends on your vehicle's value and on your ability to repay.

The price is set in two pieces, and both are charged monthly: 2% interest plus a fee of up to 20% of the loan amount. Taken together those reach 264% APR, which is the statutory maximum rather than a quote. Both pieces are calculated on your original loan amount, not on the balance you have left, so the monthly charge does not fall as you pay down.

A pledge runs 30 days at a time. Tennessee places no limit on how many times you renew, but from the third renewal onward you must pay at least 5% of the original principal along with that period's interest and fees, so the balance has to start moving.

Key Takeaways: Title Loans in Tennessee

  • Use your vehicle title as collateral and keep driving your car.
  • Approval is based mainly on your vehicle and income, with less emphasis on credit history.
  • Visit your nearest Swift Title Loans branch in Tennessee for a free, no-obligation estimate.
  • Bring a clear vehicle title, proof of income, and a valid ID to your in-branch visit.
  • Title loans carry high APRs — use them for short-term needs and make timely payments to avoid repossession.
  • Have questions? Call us at (888) 557-7115 or stop by your local branch.

Tennessee Title Loan Regulations and Key Details

Tennessee Title Loan Rules at a Glance

Rule What Tennessee Allows
Legal structure A title pledge under the Tennessee Title Pledge Act, made by a lender licensed with the Department of Financial Institutions (T.C.A. Title 45, Ch. 15)
Interest 2% per month on the original principal (§ 45-15-111)
Additional fee Up to 20% of the original loan amount per month, charged separately from interest (§ 45-15-111)
All-in maximum 264% APR once both the interest and the fee are counted
Amount Up to $2,500 against one vehicle title
Term 30 days, renewable
Renewals No cap on the number, but from the third renewal you must pay at least 5% of the original principal plus that period's interest and fees
Cancelling You may cancel by the close of the next business day for a full refund, with no fee
Repossession Permitted on default, and the lender must notify local authorities (§ 55-5-128)
Redemption 20 days after repossession to reclaim the vehicle by paying what is owed, and no extra interest or fees may accrue during that period
Repossession costs Limited to the actual costs the lender was charged

What a Title Loan Costs in Tennessee

Tennessee's charges are figured on the amount you originally borrowed rather than on your declining balance, so each 30-day period costs the same. Interest works out to $20 per $1,000 and the fee to $200 per $1,000.

The table shows a single 30-day term at the statutory maximum. It is a ceiling, not a quote. Your own agreement governs.

You Borrow Term Interest + Fee Total You Repay
$500 30 days $110 $610
$1,000 30 days $220 $1,220
$2,500 30 days $550 $3,050

Consumer Protections in Tennessee

Your lender must hold a current licence with the Tennessee Department of Financial Institutions. A pledge made without one is void, so it is worth checking before you sign.

Before you sign, the lender has to put the loan amount, the interest, the fees, the payment terms and the total due in writing, and disclose the annual percentage rate, the monthly rate of interest and the original principal balance.

You can walk away: cancelling by the close of the next business day gets you a full refund with no fee. If the car is later repossessed, you have 20 days to redeem it, nothing further may be added to what you owe during that window, and any repossession costs passed on to you are limited to what the lender actually paid. Tennessee does not permit criminal prosecution over an unpaid title pledge.

Title Loans in Tennessee

You can visit your nearest branch for title loans with Swift Title Loans, making it easy for local borrowers to secure fast cash at your local branch. Start by sharing your contact and car details, then bring your vehicle for a quick inspection for a quick in-branch review by a lender. Approval is subject to lender policies, but if you qualify, you may receive same-day cash—with an in-person visit.

Why Choose Swift Title Loans?

Visit Your Nearest Branch

Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.

No Physical Car Inspection

Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.

Bad Credit? All Welcome.

Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.

Same-Day Funding Available

Apply in 7 minutes. Get cash as fast as the same business day when you apply before noon.*

Free Service. No Obligation.

Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.

Experience a title loan process that’s quick, local, and built around your needs

(888) 557-7115 Visit Our Branches

Our locations in Tennessee

If you've found yourself in a difficult financial position and need access to cash, you may qualify for a title loan at your nearest branch. Check the requirements and stop by to get started!

We can provide you with a quick cash fix if you live in the following cities:

A

B

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Clarksville

D

E

F

G

H

I

J

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Knoxville

L

M

Memphis

N

Nashville

O

P

Q

R

S

T

U

V

W

X

Y

Z

How It Works in Tennessee

Getting the cash you need is quick and simple with our title loan process

01

Apply in Minutes

Complete a simple form from your phone or computer. A quick branch visit, no appointment needed. 7 minutes for pre-approval.

02

Submit Photos & Documents

Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.

03

Get Your Free Quote

Receive a loan estimate based on your car's value and your ability to repay. No obligation.

04

Sign & Drive

Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*

Example of Title Loan Funded in Tennessee

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

2008 Scion xB

2017 Chevrolet Equinox

2011 INFINITI QX56

Mileage158,000150,000170,000
Vehicle Value$1,825$2,375$2,975
Loan Amount$600$1,000$1,600
Loan-to-Value33%42%54%
FundedJul 2026May 2026Aug 2025

Swift Title Loans vehicles funded in Tennessee between August 2025 and July 2026. Amounts shown are what was funded, not a quote.

Borrowing Responsibly in Tennessee

Before you sign, be clear on the payment, the number of payments, and the total you will have paid when the schedule ends. The figures in your own agreement are the ones that count, not the examples on any website, ours included.

Other Options Worth Comparing

A title loan is one way to cover a shortfall, and it is worth putting it next to a few alternatives before you commit your car's title. A credit union small-dollar loan, a payment plan negotiated directly with the biller, a paycheck advance from your employer, or help from a local assistance programme will often cost less. If none of those work, borrow the smallest amount that solves the problem and pay it off as quickly as your budget allows.

Keep your vehicle in the picture too. The title is the security, so a loan you cannot repay puts the car you rely on at risk, and in most cases that car is worth considerably more than the loan.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

What is the most I can borrow with a title loan in Tennessee?

$2,500 against a single vehicle title. That is the statutory ceiling; what you are actually offered depends on your vehicle's value and your ability to repay.

How much does a Tennessee title loan cost?

Up to 2% interest per month plus a fee of up to 20% of the loan amount per month, which is 264% APR at the maximum. Both are calculated on your original loan amount rather than the balance outstanding, so the charge is the same in each 30-day period.

How long does a title loan run in Tennessee?

Thirty days per term. You may renew, and Tennessee sets no limit on the number of renewals, but from the third renewal onward you must pay at least 5% of the original principal along with that period's interest and fees.

Can I change my mind after signing?

Yes. If you cancel by the close of the next business day you get a full refund and pay no fee.

What happens if my car is repossessed?

The lender has to notify local authorities, and you then have 20 days to redeem the vehicle by paying what you owe. No additional interest or fees may accrue during that redemption period, and any repossession costs charged to you are capped at what the lender actually paid.

How do I check that a Tennessee title lender is licensed?

Search the NMLS Consumer Access database or contact the Tennessee Department of Financial Institutions. A title pledge made by an unlicensed lender is void.

Visit a Branch. Get Cash Fast.

Car title loans at a branch near you. A quick in-person visit, same-day funds available.*

Visit Our Branches (888) 557-7115
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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, not as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. 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.

About branch visits and vehicle review: When you visit a Swift Title Loans branch, our team reviews your vehicle in person, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require additional steps by law for title verification. 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.

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