Title Loans in Knoxville

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 Knoxville, 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 $1,100. For example, a Kia Optima here drew about $1,280.

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 to show your identity, ownership of the vehicle, and that 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 Knoxville-area address, like a utility bill
• Clear photos of your vehicle and its odometer

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

The title secures the loan, so falling behind can lead to repossession and sale of the vehicle. Tennessee builds in real protections, though.

After repossession you have 20 days to redeem the car by paying what you owe, and no new interest or fees can be added during that time. If the car sells for more than you owe, the surplus must be returned to you.

If your budget gets tight, contact us before a payment is missed so we can work through the options with you.

Either way works. Most Knoxville borrowers do it all online, but our office is open if you prefer to come in:

• 1201 W Fifth Ave #200, Knoxville, TN 37921, (865) 737-2996

Online, most people pre-qualify in under seven minutes,^* with no store visit and no physical inspection,^{^} and approved funds are sent 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 law sets the $2,500 limit, the cost rules, the right to cancel by the next business day, and the repossession and surplus protections. Because a loan from an unlicensed lender is void, you can check any lender through NMLS Consumer Access before you sign.