Swift Title Loan
Sign up by noon, get cash today!
Bad credit & past bankruptcies? All welcome to apply!
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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 to apply!
Easily apply online
Get cash and keep your car
Repay loan and get title back
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A Virginia title loan lets you borrow up to $2,500 using your vehicle as collateral while continuing to drive it.
The loan is repaid in fixed monthly payments over 6 to 24 months, with interest capped at 36% per year plus a small monthly maintenance fee.
For example, a $1,000 loan over 12 months costs about $115 a month, or roughly $1,385 in total.
Because your vehicle secures the loan, borrow only what you need and make sure the payments fit your budget.
| Vehicle | Mileage | Vehicle Value | Loan Amount | Funded |
|---|---|---|---|---|
| 2019 Hyundai Sonata | 159,000 | $4,450 | $2,300 | Jun 2026 |
| 2014 Honda Odyssey | 231,999 | $3,750 | $1,986 | May 2026 |
| 2020 Nissan Altima | 115,000 | $10,425 | $1,890 | May 2026 |
| 2017 Volkswagen Jetta | 94,000 | $8,400 | $1,890 | Mar 2026 |
| 2013 Toyota RAV4 | 150,000 | $6,100 | $2,054 | Feb 2026 |
| 2015 Nissan Rogue | 110,000 | $3,850 | $1,986 | Jan 2026 |
| 2007 Chevrolet Silverado 1500 | 188,000 | $4,050 | $1,900 | Jan 2026 |
| 2008 Dodge Ram 1500 | 174,000 | $3,400 | $2,000 | Nov 2025 |
| 2014 Jeep Grand Cherokee | 145,732 | $4,950 | $1,890 | Oct 2025 |
| 2017 INFINITI QX60 | 149,628 | $4,250 | $2,000 | Oct 2025 |
These are examples, not a quote. Your amount depends on your vehicle’s value, your income, and Virginia rules.
Virginia overhauled its title loan law in 2021, replacing triple-digit rates with a strict 36% interest cap and strong borrower protections. Here is what the state controls.
| Rule | What Virginia Allows |
|---|---|
| Interest cap | 36% a year, simple interest |
| Maintenance fee | Up to the lesser of $15 or 8% of the loan, per month |
| Maximum loan amount | $2,500 |
| Loan term | 6 to 24 months, repaid in monthly installments |
| Rollovers | Not allowed |
| Right to cancel | Until 5 p.m. on the third business day, by returning the principal |
| Deficiency | None. The lender cannot pursue you for any shortfall after a sale |
| Regulated by | Virginia State Corporation Commission (SCC), Bureau of Financial Institutions |
Virginia caps interest at 36% a year. A monthly maintenance fee of up to $15 adds to that, and because it is a flat fee, it raises the real cost more on smaller loans.
Your all-in cost, including the maintenance fee, is set out in your loan agreement. The examples below use a 12-month term.
| You Borrow | Term | Monthly Payment | Total to Repay | All-in APR |
|---|---|---|---|---|
| $1,000 | 12 months | ~$115 | ~$1,385 | ~63% |
| $1,500 | 12 months | ~$166 | ~$1,990 | ~55% |
| $2,500 | 12 months | ~$266 | ~$3,195 | ~48% |
Your exact payment depends on your amount and term, so read your contract before you sign.
Governing law: the Virginia Motor Vehicle Title Loan Act, enforced by the Virginia State Corporation Commission.
Before you sign, make sure you understand the full cost: the monthly payment, the total you will repay, and any fees. Confirm the exact numbers in your own contract.
It is worth comparing a few options before you borrow against your title, then choosing the one that fits your situation.
Virginia credit unions such as Virginia Credit Union and Langley Federal Credit Union offer small personal and payday-alternative loans, and they consider members with limited credit.
You can also ask a creditor for a payment plan, or get free guidance from a nonprofit counselor through the National Foundation for Credit Counseling.
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.
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