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
You are here:
If a surprise bill hit in Irving and your paycheck is still days away, a car title loan can turn your vehicle into fast cash while you keep driving. We lend against the value of your car, so your credit score is not the deciding factor.
You can start from anywhere near Las Colinas, the Toyota Music Factory, or off the SH-114 and SH-183 Airport Freeway, with our online title loan with no store visit^. It takes about seven minutes to enter your personal and vehicle details and see if you pre-qualify.*
Before you apply, it helps to know the Texas title loan rules. Texas sets no statewide rate cap, though some cities limit title loans by your income and your vehicle value. We will walk you through the numbers so there are no surprises.
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.*
Bad credit or past bankruptcy? All welcome. Borrow up to 50% of your car's value based on your vehicle's equity, your ability to repay, and state regulations. No store visit, no physical car inspection, no obligation^. Apply online, upload photos from your phone, and once approved, get funds as fast as the same business day.*
Here's a real example of a funded title loan from our branch:
2017 Kia Optima | 2014 Honda Odyssey | 2017 Chevrolet Silverado 1500 | |
| Estimated Vehicle Value | $4,050 | $5,825 | $13,600 |
| Mileage | 137,000 | 191,000 | 123,000 |
| Loan Amount | $1,683 | $2,633 | $6,111 |
| Loan-to-Value | 42% | 45% | 45% |
| Term | 4 monthly installments | 4 monthly installments | 4 monthly installments |
| Total Fees (typical rate) | $842 | $1,317 | $3,056 |
| Total to Repay | $2,525 | $3,950 | $9,167 |
| 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 business 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 business fee, so the market figures below reflect the typical rate, not a legal limit. Title loans arranged through a credit access business commonly cost about 243% a year, while Swift Title Loans charges far less than that. Your exact rate depends on your vehicle, loan amount, and term.
| You Borrow | Term | Typical Market APR | Our APR |
|---|---|---|---|
| $500 | 30 days | ~243% | ~36% |
| $1,000 | 30 days | ~243% | ~36% |
| $2,500 | 30 days | ~243% | ~36% |
Texas title loans arranged through credit access businesses commonly cost about 243% a year, which is far higher than what Swift Title Loans charges, so it is worth comparing offers from different lenders and borrowing only what you need to keep your costs down.
Your real cost 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.
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.
Providing excellent customer service and a positive loan experience is Swift Title Loans top goal and we work tirelessly to make this happen for each and every customer.
We don’t like turning away customers simply for having a bad credit score. We will work hard to get you a loan regardless of your bad credit.
We understand the urgency when getting a loan, so we offer simple options for applying. You can choose to apply in multiple ways.
Title Loans
Same-Day Funding*
Bad Credit Loans
No Store Visit Loans
Apply online or at our office
Upload photos of your car
E-sign documents from home
Get funds deposited to your account
Car details
Personal details
Car title in your name
Government-issued ID
Vehicle photos
Proof of income
No store visit required
No physical car inspection
No prepayment penalties
No hidden fees
Quick funding
Same-day funding available*
Title Loan Offers for 2026
Need fast cash in TX? Apply online in 7 minutes.* No store visit, no car inspection.^ Same-day funding available.*
A title loan is fast, but it is a serious commitment: your car is the collateral, so if you fall behind on payments you could lose it. That is why it works best as a short-term fix for a real emergency, like an urgent car repair or a bill that cannot wait, and not for everyday spending.
Before you borrow, ask yourself a few simple questions. Do I really need this right now? Can I comfortably make the monthly payment? Is there a cheaper option, like a credit union or a payment plan, I could try first?
If a title loan is the right move, borrow only what you need and nothing more, because the smaller your loan, the less you pay back. We always show you the full cost up front, with no hidden fees and no prepayment penalty, so there are no surprises. If you want to weigh your options first, Money Management International breaks down title loans.
Quick answers to help you feel confident about title loans.
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Fast Title Loans
Get pre-approved for your title loan in about 7 minutes.* Quick start, because your time is precious.
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.