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 Texas these loans are arranged through a credit access business and overseen by the state's Office of Consumer Credit Commissioner.
Texas does not cap the fees, so title loans here are costly and best used only for a short-term emergency. Borrow only what you need, since a bigger loan means a bigger fee.
With Swift Title Loans you can start the whole request online from your phone, with no trip to a store.^
Apply from anywhere. No need to drive to a location or wait in line. Complete everything from your phone.
Skip the hassle of bringing your car somewhere. Just upload photos of your vehicle from your phone. That's it.
Past bankruptcy or low credit score? No problem. Your car's value matters more than your credit history.
Apply in 7 minutes.* Get cash as fast as the same business day when you apply before noon.*
Swift Title Loans is 100% free to use. Get a quote, compare offers, and decide what works for you.
Getting the cash you need is quick and simple with our title loan process
Complete a simple form from your phone or computer. No store visit, no appointment needed.^ 7 minutes for pre-approval.*
Upload photos of your car (all 4 sides, odometer, VIN, interior), ID, title, and proof of income. No physical inspection required.^
Receive a loan estimate based on your car's value and your ability to repay. No obligation.
Once approved, funds are deposited directly to your bank account. Keep driving your car while you repay. Same-day funding available.*
We specialize in fully online title loans, so Texas drivers handle every step from a phone or laptop. There is no store visit and no in-person inspection.^ You send photos of your car instead of bringing it in, and you keep driving it while you repay.
Same-day funding is possible, but it depends on timing. If you apply before noon, send every document we ask for, and get approved that morning, qualified borrowers can be funded the same day, usually by direct deposit to your bank account.* If we need more time to verify your details, funding can move to the next business day.
You then make payments online or by phone on your own schedule.
Texas uses the Electronic Lien and Title (ELT) system, so we never hold a paper title. While you repay, the lien sits electronically on your record with the Texas Department of Motor Vehicles.
When your loan is paid in full, we submit the lien release electronically. Under Texas Transportation Code Section 501.115, a lienholder must clear the lien within about 10 business days of payoff. With ELT the record updates electronically, so the TxDMV issues your title with no lien on it instead of mailing paperwork back and forth.
These examples show typical loan amounts and costs received by other borrowers. Your loan amount, terms, and costs may vary based on your vehicle, income, and underwriting review.
2016 Toyota Camry | 2019 Chevrolet Traverse | 2015 Ford F-150 | |
| Estimated Vehicle Value | $8,075 | $17,525 | $14,950 |
| Loan Amount | $2,680 | $6,232 | $4,000 |
| Loan-to-Value | 33% | 36% | 27% |
| Term | 4 monthly installments | 4 monthly installments | 4 monthly installments |
| Total Fees (typical rate) | $1,340 | $3,116 | $2,000 |
| Total to Repay | $4,020 | $9,348 | $6,000 |
| Approx. APR | ~240% | ~240% | ~240% |
Real Swift Title Loans vehicles funded in Texas. Costs use the typical market rate on a four-installment payoff and are estimates, not a quote.
Before you sign for a title loan in Texas, it helps to know what the state does and does not control. Texas leaves the fee uncapped, so the rules that protect you most often come from your own city.
| Rule | What Texas Allows |
|---|---|
| Fee cap | No state cap. About $20 per $100 every 30 days, roughly 243% a year |
| Lender interest cap | The third-party funding lender's interest is capped at 10% a year |
| Minimum loan amount | No state floor. Set by your vehicle's value |
| Maximum loan amount | No state ceiling. Set by your vehicle's value |
| Loan term | No state limit. Single payment or installments, and renewable |
| City limits | In Houston, Dallas, Austin, San Antonio and many other cities, the loan cannot top the lesser of 3% of your yearly income or 70% of your car's value, and must be repaid in four installments |
| Rollover rules | Not limited statewide, and each renewal adds a new fee |
| Regulated by | Texas Office of Consumer Credit Commissioner (OCCC) |
Texas sets no maximum on the fee, so the examples below use the typical market rate shown above. They are not a legal limit.
| You Borrow | Term | APR | Fee | Total Due |
|---|---|---|---|---|
| $500 | 30 days | ~243% | $100 | $600 |
| $1,000 | 30 days | ~243% | $200 | $1,200 |
| $2,500 | 30 days | ~243% | $500 | $3,000 |
Your real fee depends on your lender and contract, so read it closely before you sign.
Governing law: Chapter 393 of the Texas Finance Code, enforced by the Texas Office of Consumer Credit Commissioner.
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 fees and the risk of losing your vehicle.
Before you sign, review your full cost: the APR, 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 prepayment penalty in Texas, so paying off early can save you money. If you are able to, it is often worth doing.
You can verify any Texas lender through the OCCC license search or NMLS Consumer Access.
Because Texas does not cap title loan fees, this is one of the costliest ways to borrow. A few Texas options cost far less, even with poor or no credit.
The Community Loan Center of Texas is a nonprofit program built to replace high-cost title and payday loans. If your employer takes part, you can apply online for up to $1,000 at about 18% interest plus a small flat fee, repaid through payroll, with no credit check.
Many Texas credit unions also offer small personal or payday-alternative loans for a fraction of a title loan's cost, even if your credit is thin:
It is also worth asking a creditor for a payment plan or talking 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. No Inspection.
Get a free quote in 7 minutes.* No store visit required.^ 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.
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.