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.
Virginia reformed its title loan law in 2021, capping interest at 36% a year and adding strong borrower protections. That is well below what most states allow, but a title loan is still a high-cost way to borrow.
Loans are capped at $2,500 and repaid in monthly installments over 6 to 24 months, with no rollovers and no penalty for paying early. The Virginia State Corporation Commission oversees every licensed lender.
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 Virginia 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 repay in fixed monthly installments over 6 to 24 months, online or by phone, and there is no penalty for paying early.
Virginia uses the DMV Electronic Lien Program, so we never hold a paper title. While you repay, the lien sits electronically on your record with the Virginia Department of Motor Vehicles.
When your loan is paid in full, we send the DMV an electronic lien release. Virginia processes these every night, so your record usually updates to lien-free within about 24 hours, and your car is yours free and clear with no wait on paperwork.
If you want the physical paper title, the DMV prints it the next business day and mails it, and it typically arrives within about seven business days.
If you need the title in hand sooner, for example to refinance or sell right away, you can get one printed the same day at a DMV Customer Service Center. Bring your driver's license or ID and your current registration, fill out Form VSA 67 whenever you are ready, and pay the $15 title fee.
If your vehicle had a lien, bring the lien release we provide once your loan is paid off. You can confirm your title or lien status anytime through the Virginia 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.
2011 Chevrolet Cruze | 2005 Toyota 4Runner | 2014 GMC Terrain | |
| Estimated Vehicle Value | $3,032 | $4,850 | $7,738 |
| Loan Amount | $1,510 | $1,900 | $1,775 |
| Loan-to-Value | 50% | 39% | 23% |
| Term | 12 monthly payments | 12 monthly payments | 12 monthly payments |
| Interest Rate | 36% a year | 36% a year | 36% a year |
| Maintenance Fee | $15 a month | $15 a month | $15 a month |
| Total to Repay | ~$2,000 | ~$2,470 | ~$2,320 |
| Approx. All-in APR | ~55% | ~51% | ~52% |
Real Swift Title Loans vehicles funded in Virginia, shown at the state's 36% interest cap plus the $15 monthly maintenance fee on a 12-month term. These are estimates, not a quote.
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. Even so, the all-in cost stays well below what title loans run in most states. 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.
Virginia's 36% cap keeps title loans here well below the cost in most states, but a title loan is still a high-cost commitment, so borrow only what you need and make sure you can repay it on time.
Before you sign, review your full cost: the interest, the monthly maintenance 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 Virginia, so paying off early lowers what you pay. If you can, it is usually worth doing.
You can verify any Virginia lender through the State Corporation Commission before you borrow.
Even at Virginia's lower rates, a few options can cost less, especially with poor or no credit.
Many Virginia credit unions offer small personal loans or payday-alternative loans at a lower cost, and they consider members with thin credit. Examples include Virginia Credit Union and Langley Federal 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.