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.
Utah sets no rate cap, so the rate can reach about 300% a year by law. Swift Title Loans charges only a fraction of that, though your exact rate depends on your vehicle, loan amount, and term. A title loan is still best kept for a short-term emergency, so borrow only what you need.
Utah does give borrowers real protections. The loan cannot be more than your car is worth, the lender must consider whether you can repay, and if your car is ever sold, you cannot be pursued for a shortfall and any surplus comes back to you. Lenders must be registered with the Utah Department of Financial Institutions.
With Swift Title Loans you can start the whole request online from your phone. There is no store visit, and no physical inspection, since you send photos instead.^
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 Utah drivers handle every step from a phone or laptop. There is no store visit, and no physical inspection.^ Instead of bringing your car in, you upload photos for a virtual inspection, 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.* 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, and you keep driving your car while you repay.
Utah records vehicle liens through the Motor Vehicle Division of the State Tax Commission, using an electronic lien and title system. While you repay, the lien sits on your electronic record.
When your loan is paid in full, the lender removes its interest from the title. If the lien was electronic, the Motor Vehicle Division issues a clear title with no action needed from you, and a free-and-clear title is mailed to your address on file.
The Electronic Lien and Title (ELT) system itself is fast. Once the lender sends the release, the Motor Vehicle Division usually clears the lien within 24 to 48 hours.
Why the overall timeline still takes about 2 to 4 weeks: the delay is in normal banking and human steps, not the electronic network. The main reason is the payment hold.
A lender typically waits 7 to 10 days after your final payment before sending the release, to make sure the payment has fully cleared and will not be reversed. In our experience, we release as soon as your final payment clears, so you are not left waiting longer than necessary.
You can review the steps through the Utah DMV.
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.
2014 Dodge Journey | 2013 Hyundai Santa Fe | 2012 Land Rover Range Rover Sport | |
| Estimated Vehicle Value | $3,250 | $3,875 | $6,500 |
| Loan Amount | $1,000 | $1,500 | $2,500 |
| Loan-to-Value | 31% | 39% | 38% |
| Term | 30 days (renewable) | 30 days (renewable) | 30 days (renewable) |
| Charge for 30 Days | $30 | $45 | $75 |
| Total Due in 30 Days | $1,030 | $1,545 | $2,575 |
| Approx. APR | ~36% | ~36% | ~36% |
Real Swift Title Loans vehicles funded in Utah, shown at an example rate well below the roughly 300% a year that Utah law allows. The charge shown is for one 30-day period. Your exact rate and cost depend on your vehicle, loan amount, income, and term. These are examples, not a quote.
Utah lets lenders set the rate by contract, with no cap, and by law it can reach about 300% a year. Swift Title Loans charges only a fraction of that. At the same time, the state requires registration and gives borrowers some of the better protections in the country. Here is what to know.
| Rule | What Utah Allows |
|---|---|
| Rate cap | None. The rate is set by your contract and can reach about 300% a year. Swift Title Loans charges only a fraction of that |
| Loan amount | No fixed limit, but it cannot be more than your vehicle is worth |
| Ability to repay | The lender must consider your income and whether you can repay |
| Rollovers | Allowed only at your request; there is no cap on the number, so interest can stack |
| Deficiency | None. The lender cannot pursue you personally for a shortfall after a sale |
| Surplus | If the car sells for more than you owe, the surplus is returned to you |
| Registered with | Utah Department of Financial Institutions |
Utah sets no cap, so the rate is whatever your contract says, and by law it can reach about 300% a year. Swift Title Loans charges far less than that.
The examples below are illustrative; your exact rate depends on your vehicle, loan amount, and term. Because Utah does not cap the rate, it is worth comparing offers from different lenders and borrowing only what you need to keep your costs down.
| You Borrow | Term | APR | Charge | Total Due |
|---|---|---|---|---|
| $500 | 30 days | ~36% | $15 | $515 |
| $1,000 | 30 days | ~36% | $30 | $1,030 |
| $2,500 | 30 days | ~36% | $75 | $2,575 |
Because there is no cap on rollovers, a loan carried for several months can cost more in interest than you first borrowed. Read your contract closely and pay it off as soon as you can.
Governing law: the Utah Title Lending Registration Act, overseen by the Utah Department of Financial Institutions.
Because Utah sets no rate cap, so the rate can reach about 300% a year by law, while Swift Title Loans charges only a fraction of that. Borrow only what you need and have a plan to repay quickly.
Before you sign, review your full cost: the rate as an APR, the fees, the renewal terms, and the total due. Confirm the exact numbers in your contract.
There is no cap on rollovers, so the longer you carry the loan, the more it costs. Paying it off early saves you the most.
You can verify any Utah title lender through NMLS Consumer Access or the Utah Department of Financial Institutions before you borrow.
It is always worth comparing offers before you borrow. A few options may cost less, even with poor or no credit.
Many Utah credit unions offer small personal loans or payday-alternative loans for far less than a typical Utah title loan. Examples include America First Credit Union and Mountain America Credit Union.
It is also worth asking a creditor for a payment plan or speaking 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.