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:
A car title loan lets you borrow against a vehicle you own, using its title as collateral while you keep driving it.
How much you can borrow is based on your vehicle's value and your ability to repay, not your credit score, so people with bad or limited credit can still qualify. Most offers run about 25% to 50% of what your car is worth. You keep driving your car the whole time you repay.
Washington also protects you more than many states do: the rate is capped at 25% a year, far below states with no cap, and your lender must be licensed here.
Because the loan is secured by your vehicle, the lender may repossess and sell it if you default, so a title loan is best reserved for a genuine short-term emergency, such as an urgent car repair or medical bill, and you should borrow no more than you can comfortably repay. The full costs, terms, and protections are set out below.
With Swift Title Loans, you can submit your vehicle and personal information through our secure online form and receive a free, no-obligation estimate. If you decide to move forward, you can upload vehicle photos and any required documents, such as proof of income, to receive a final loan offer without an in-person inspection.^
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 Washington 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 online in fixed monthly installments, and there is no penalty for paying early.
Washington records vehicle titles and liens through the Department of Licensing, which offers an electronic title system. While you repay, the lien sits on your title record with the Washington Department of Licensing.
When your loan is paid in full, we release the lien, and the Department of Licensing updates your record so a clear title can be issued to you.
The electronic release itself is fast; once we send it, the Department of Licensing can update the record within 24 to 48 hours.
Why the full timeline can take a few weeks: most of the wait is the payment hold, not the electronic system.
Many lenders hold off 7 to 10 days after a final payment to confirm it has fully cleared and will not be reversed before releasing the lien. 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 Washington Department of Licensing.
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.
2016 Ford Fusion | 2013 Dodge Challenger | 2015 Cadillac Escalade | |
| Estimated Vehicle Value | $7,350 | $15,125 | $12,425 |
| Loan Amount | $2,000 | $2,850 | $5,000 |
| Loan-to-Value | 27% | 19% | 40% |
| Term | 12 monthly payments | 12 monthly payments | 12 monthly payments |
| APR | 25% | 25% | 25% |
| Monthly Payment | ~$190 | ~$271 | ~$475 |
| Total to Repay | ~$2,281 | ~$3,251 | ~$5,703 |
Real Swift Title Loans vehicles funded in Washington, shown at the state's 25% rate cap on a 12-month installment. These are estimates, not a quote.
Washington does not have a separate title loan statute. Instead, a loan secured by your vehicle must follow the state's Consumer Loan Act, which caps the rate and requires a license. Here is what that means.
| Rule | What Washington Allows |
|---|---|
| Interest cap | 25% a year under the Consumer Loan Act (the general usury limit is 12%, and licensed consumer lenders may go up to 25%) |
| Loan structure | A licensed consumer installment loan repaid over time, not a single-payment high-rate title loan |
| Loan amount | Set by your vehicle's value and the lender; no fixed state minimum or maximum |
| License | Required, through the Department of Financial Institutions (DFI) |
| After repossession | The sale follows state law; you get notice, and any surplus above what you owe is returned to you |
| Regulated by | Washington State Department of Financial Institutions (DFI) |
Because Washington caps the rate at 25% a year, the cost is far lower than in states that set no limit at all. The examples below use the 25% cap on a 12-month installment loan.
| You Borrow | Term | APR | Monthly Payment | Total to Repay |
|---|---|---|---|---|
| $1,000 | 12 months | 25% | ~$95 | ~$1,141 |
| $2,500 | 12 months | 25% | ~$238 | ~$2,851 |
| $5,000 | 12 months | 25% | ~$475 | ~$5,703 |
Your exact rate and payment depend on your lender and contract, so read it closely before you sign.
Governing law: Washington's Consumer Loan Act rate cap, enforced by the Department of Financial Institutions.
Washington's 25% rate cap keeps title loans here far lower than in states with no cap, but a title loan is still a serious commitment because your car is the collateral, so borrow only what you need and make sure you can repay it on time.
Before you sign, review your full cost: the APR, any fees, 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, so paying off early lowers what you pay. If you can, it is usually worth doing.
You can verify any Washington lender through NMLS Consumer Access or the Department of Financial Institutions.
A few options can cost less than a title loan, especially with poor or no credit.
Many Washington credit unions offer small personal loans or payday-alternative loans at a lower cost, and they consider members with thin credit. Examples include BECU and WSECU.
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.