Swift Title Loans is built for speed and convenience. Apply online and verify your vehicle with a few photos from your phone, with no store visit or in-person vehicle inspection required.^ Or visit a Swift store if you prefer. You verify your vehicle with a few photos from your phone, not by driving it anywhere.
Most borrowers qualify for 25% to 50% of their vehicle’s value, up to $50,000. Your exact amount depends on your vehicle, your ability to repay, and the title loan laws in your state, not your credit score.
You keep driving your car the whole time you repay.
In a Nutshell, Online and Fast!
Online title loans offer quick approval, often within one business day,* and do not require a good credit score.
Through the online portal, you can apply, upload all required documents, and get a free estimate. Potentially, you may receive your loan the same business day.*
- Everything can be completed online: apply, verify your income and identity, and receive your funds.^ In-person service is available at any Swift store.
- No in-person inspection: photos and a short video confirm your vehicle.
- Your title stays electronic: the lien is placed and released online through your state’s DMV, with no paperwork to drop off.
- Most vehicles qualify: cars, trucks, SUVs, motorcycles, and RVs.
- Available in California, Florida, and Georgia, with the loan secured by a car you keep driving.
How It Works
Apply in Minutes
Complete our online application in about 7 minutes* to see if you pre-qualify and get a free estimate. Provide basic information about your vehicle, income, and contact details. Prefer in-person service? You can also apply at a Swift Title Loans store near you.
Send Documents & Vehicle Photos
If you want to continue, upload your income documents and vehicle photos. We use them to verify your information, review your title, and estimate your vehicle’s value. In most cases, photos replace the physical vehicle inspection,^ but in-person service is also available if needed.
Review Your Offer & Get Funded
Review your final offer, including your payments and total loan cost. If you accept the terms, sign your agreement and receive your funds. Same-day funding may be available if the process is completed before noon on a business day. You keep your vehicle and continue driving while repaying the loan.
Online Title Loans Explained
An online title loan lets you borrow money using a vehicle you already own as collateral. Because the loan is secured by your vehicle, you can continue driving it while making your payments.
To secure the loan, a lien is placed on your vehicle’s title. Before approval, we must verify the vehicle’s condition and value using photos and, in some cases, a video inspection to confirm that it qualifies for the loan.
In many states, Swift Title Loans adds and releases the lien electronically through the state’s Electronic Lien and Title (ELT) system.
This online process helps make approval, funding, payments, and lien releases faster and more convenient.
Remote Vehicle Inspection: What to Send
- Four-sided photos: front, back, and both sides.
- Odometer: your current mileage, not the trip meter.
- VIN: usually on the dashboard or door jamb.
- Interior: the condition of the front and back seats.
- Video walkthrough: a short video instead of multiple photos.
For the full step-by-step process, including how we verify your vehicle and how the electronic title and lien work, see how title loans work.
“I started Swift Title Loans in 2017 to take the friction out of title lending. We built the remote verification and electronic lien process so you can get funded from your kitchen table, not a store counter. The photos and documents you send us give our team everything we need to value your car fairly and lend responsibly.”
Rodney Patton, Founder and CEO of Swift Title Loans
How Much You Can Borrow Online
Your amount is based on your vehicle’s value, your ability to repay, and the title loan rules in your state. Your exact offer depends on your car, your income, and your state’s regulations.
How We Set Your Amount Without Seeing the Car
Because there is no in-person inspection,^ we appraise your vehicle from what you submit online. Three things set your amount:
- Wholesale value: what your year, make, model, and mileage are worth in today’s market.
- Condition: confirmed from the interior and exterior photos you upload, not an in-person check.
- Ability to repay: your proof of income shows the monthly payments fit your budget.
These are recent title loans funded through our online process, one example per state, funded January 2026 to May 2026. Each amount comes from a loan we funded.
Across our online loans, the most commonly financed vehicles include the Honda Accord, Toyota Camry, and Ford F-150. Because your rate and maximum are set by your state’s law, choose your state to see the local rules and rate examples.
| State | Vehicle We Funded Online | Vehicle Value | Amount Funded |
|---|---|---|---|
| California | 2018 Toyota C-HR | $12,450 | $5,015 |
| Florida | 2017 Chevrolet Suburban | $12,675 | $5,613 |
| Georgia | 2014 Ford F-150 | $10,575 | $4,800 |
Not sure what your car qualifies for? Submit a quick request, see if you are pre-approved, and if so, get a free estimate online in minutes.* Still have questions? Give us a call.
What You Need to Apply
- Vehicle title in your name, lien-free or nearly paid off
- Photo ID and proof of income
- Proof of residence and auto insurance
- Photos or a short video of your car, plus the odometer and VIN
- An active checking account for direct deposit of your funds
Online Title Loans by State
Rates, maximum amounts and the rules lenders must follow are set by each state’s law, so a title loan in one state can look very different in another. Choose your state to see what it allows, along with examples of loans we have funded there.
- California
- Florida
- Georgia, where a title loan is often called a title pawn
- Ohio
- South Carolina
- Tennessee
- Texas
- Virginia
Do not see your state? Browse all title loan locations by state.
Borrow Responsibly
A title loan can provide fast access to cash, often the same business day,* using your vehicle as collateral. Because these loans can be expensive, they should generally be used only for short-term emergency expenses and not as a long-term solution.
- Borrow only what you need. A larger loan than necessary means more interest and fees, so keep the amount as low as you can.
- Use it for the short term. Pay it off as quickly as you can, since the longer you carry the balance, the more it costs.
- Compare your offers. Look at the full cost, not just the monthly payment, and compare lenders before you commit.
- Consider lower-cost options first. A credit union loan, a payment plan, a paycheck advance, or help from family usually costs far less than a title loan.
- Read the full contract. Make sure you understand the APR and total cost, the payment schedule, and the repossession terms before you sign.
Frequently Asked Questions
Can I Get an Online Title Loan With Bad Credit?
Yes. Title loans are designed for borrowers with bad credit or no credit, so approval depends far less on your credit score. What matters most is your vehicle’s value and your ability to repay.
Do I Really Skip the Store Visit and Inspection?
In most cases, yes. You can verify your vehicle by uploading photos or a short video instead of bringing it in for a physical inspection. We may ask for photos of all four sides, the odometer, VIN, and interior. Some state regulations may require an in-person visit for title verification.
Can I Keep Driving My Car?
Yes. You keep driving it while you repay. Because your car secures the loan, it can be repossessed if you stop paying, so borrow only what you can repay.
How Fast Can I Get the Money?
Completing the online request takes about 7 minutes.
Funding depends on approval, document review, and receiving all your required signed documents. When those are submitted before noon local time on a business day, you can often be funded that same day.*
Is There a Credit Check for an Online Title Loan?
Pre-approval starts with no credit check. A soft credit check may be part of final approval, depending on your state and situation, but your vehicle’s value and your ability to repay matter most.
Is There a Rate Cap on Online Title Loans in California?
Yes. California law caps the rate at about 36% a year plus the federal funds rate on loans of $2,500 to $9,999, and loans above $10,000 have no state rate cap.
In most cases the whole loan is done online, with no store visit and no in-person inspection.^ See the California online title loan process.
How Much Can I Borrow With an Online Title Loan in Florida?
Up to $25,000, based on your vehicle’s value and your ability to repay. In most cases the entire process is online with no in-person inspection,^ regulated by the Florida Office of Financial Regulation. See the Florida online title loan process.
