Title Loans in Nashville

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 Nashville, 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 $1,000. For example, a Nissan Altima here drew about $1,100.

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 need to show who you are, that the vehicle is yours, 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 Nashville-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.^{^}

Because the title secures the loan, falling behind can lead to repossession and sale of the vehicle. Tennessee still gives you meaningful protections.

You get a 20-day window after repossession to redeem the car by paying what you owe, with no new interest or fees added during that time. If the car sells for more than your balance, the extra must be returned to you.

The best move is to call us before a payment is missed so we can look at your options together.

You can do either. Most Nashville borrowers handle everything online, but you are welcome to visit our office:

• 2408 21st Ave S, Nashville, TN 37212, (615) 338-5805

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. Title loans, called title pledge loans in Tennessee, are legal and regulated under the Tennessee Title Pledge Act and 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 verify any lender through NMLS Consumer Access first.