Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome to apply!
01
Easily apply online
02
Get cash and keep your car
03
Repay loan and get title back
Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome to apply!
Easily apply online
Get cash and keep your car
Repay loan and get title back
You are here:
Title loans are legal in Texas, but the state does not regulate them as direct lending. Your loan is arranged through a credit access business under Subchapter G of Texas Finance Code Chapter 393 — a company that obtains the loan for you, or helps you obtain it, and charges a fee for doing so. Credit access businesses are licensed by the Office of Consumer Credit Commissioner.
That structure matters because Texas sets no ceiling on the fee. The statute says a credit access business "may assess fees for its services as agreed to between the parties", charged daily, biweekly, monthly or on another periodic basis. This is not a gap someone forgot to fill: § 393.622(c) states plainly that nothing in the subchapter gives the Finance Commission or the OCCC authority to limit those fees.
So there is no maximum APR to quote you, and any site that prints one for Texas is quoting a market observation rather than a legal limit. The price of your loan is whatever your agreement says it is, which makes comparing written offers the single most useful thing you can do here.
Texas also sets no statewide limit on renewals, and each renewal brings new fees. Some cities go further than the state does — local ordinances in Dallas, Houston, Austin and San Antonio have capped loans at a share of gross income or of vehicle value.
2019 Ford Bronco | 2020 Toyota Mirai | |
| Loan Term | 24 month | 36 month |
| Estimated Vehicle Value | $0 | $0 |
| Loan Amount | $3138 | $4738 |
| Processing Fee | $75 | $75 |
| Lien Recording Fee | $15 | $15 |
| Monthly Payment | $227.41 | $286.34 |
| Monthly Interest | 5.00 | 5.00 |
| APR | 60.00% | 60.00% |
*All our repayment plans are without any hidden fees or prepayment penalties.
| Rule | What Texas Allows |
|---|---|
| Legal structure | Arranged by a credit access business under Tex. Fin. Code ch. 393, Subchapter G (§§ 393.601–393.628), licensed by the OCCC |
| Rate cap | None. Fees are charged "as agreed to between the parties" (§ 393.602(b)) |
| Why there is no cap | § 393.622(c) withholds from the Finance Commission and the OCCC any authority to limit credit access business fees |
| Amount | No state minimum or maximum |
| Term | No state minimum or maximum |
| Renewals | Not prohibited statewide; each renewal adds new fees |
| Local rules | Ordinances in Dallas, Houston, Austin, San Antonio and other cities may be stricter — some cap the loan at 3% of gross income or 70% of vehicle value |
| Disclosure | A fee may not be charged unless it has been disclosed; you must receive the amount borrowed, the fee, the interest rate and the total cost in writing |
| Prepayment | No penalty |
| Repossession | Permitted on default without advance warning, but the lender may not breach the peace and must give reasonable notice before selling |
| Collection limits | No wage garnishment, no criminal prosecution, and your military employer may not be contacted |
We do not publish a Texas cost table, and that is deliberate. Where a state caps the rate we can show you the legal maximum; Texas has no maximum to show. Printing a representative APR here would suggest a limit that does not exist.
What to do instead: get the written disclosure before you sign. It has to state the amount borrowed, the credit access business fee, the interest rate and the total cost. Compare that total across lenders — not the monthly payment — and check whether your city's ordinance restricts the loan further.
Credit access businesses must be licensed with the Office of Consumer Credit Commissioner, and you can search the state's licence database before borrowing.
Because Texas does not cap the price, the protections that matter here are procedural. A fee cannot be charged unless it has been disclosed, and you are entitled to written disclosure of the amount borrowed, the credit access business fee, the interest rate and the total cost, along with a statement about short-term cash needs. No device, subterfuge or pretence may be used to evade the subchapter. There is no prepayment penalty.
On default a lender may repossess without advance warning, but may not breach the peace, and must give reasonable notice before selling the vehicle. Texas does not permit wage garnishment or criminal prosecution over the debt, and a lender is prohibited from contacting a military borrower's employer.
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.
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.
Quick answers to help you feel confident about title loans.
Title loans made simple.
Get a free quote online in 7 minutes,* or visit a location near you. 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.