Swift Title Loans is built for speed and convenience.* In most cases, you can complete your title loan online without visiting a store for a vehicle inspection or to sign your loan agreement.
You can apply, upload vehicle photos, review your offer, and e-sign, as long as online processing is allowed in your state.^
Some loans may still require an in-person step because of state law or if we cannot fully verify your vehicle or documents using the photos or video you upload. This is uncommon, and you probably won’t need it. If you do, we’ll let you know during the approval process.
In a Nutshell
- Who checks my car? We do, from photos or a short video you send from your phone.^
- How do I sign? In most cases, you review your offer and e-sign online.^
- Do I mail my title? Where your state uses an Electronic Lien and Title system, there may be no paper title to mail.
- How do I get my money? By direct deposit or cash pickup at a partner such as MoneyGram or Western Union. A check at a local office may also be available.
- How fast is it? Same-day funding may be available if your signed documents are in before noon on a business day.*
- Does it work in my state? It depends on your state’s law. See the states we serve.
We offer 25% to 50% of your vehicle’s value. For example, if your car is worth $10,000, you may qualify for $2,500 to $5,000.
Your final offer also depends on your ability to repay and what your state’s law allows.
We hold a lien on your title, not the car itself, so you keep driving it while you repay.
How An Online Title Loan Works
An online title loan runs in three steps, and the first step tells you if you pre-qualify before you send any documents.
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 your signed documents are in before noon on a business day. You keep your vehicle and continue driving while repaying the loan.
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.
What You Send To Verify Your Vehicle
You can send all of this from your phone:
- 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.
“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 in most cases you can get funded without a physical inspection.^
The photos and documents you send us usually give our team what we need to value your car fairly and give you an offer if you qualify.”
Rodney Patton, Founder and CEO of Swift Title Loans
What Can Still Happen Offline
Before we can fund your title loan, we need to verify your vehicle and the information you provide. This is because approval depends mainly on your vehicle’s value and your ability to repay.
If we cannot complete that verification online, one or more steps may need to be completed in person.
For example, we may need to:
- Inspect your vehicle in person if we cannot fully confirm its condition or value from photos or video.
- Verify an original document or your identity in person if it cannot be completed online.
- Complete a step your state’s law requires in person, such as title verification or document signing.
How the Electronic Title and Lien Work
A lien is our legal claim on your vehicle title until your title loan is paid off.
After you sign, we record our lien with your state, electronically where the state uses an Electronic Lien and Title system. In those states, there may be no paper title to mail or hold.
The exact process and the agency that handles vehicle titles vary by state.
Once you make your final payment and your balance reaches zero, we release our lien. If your state uses an electronic title system, we submit the release electronically. To see if yours does, check this list of state electronic title websites.
Your state then updates the title record to show that our lien has been satisfied and handles the next step for issuing or requesting a clear title.
How Much Can You Borrow Online?
In general, you may qualify for up to 50% of your vehicle’s value. How much you can borrow depends on your vehicle’s value, your ability to repay, and what your state’s law allows, whether you apply online or at a store.
How We Usually Set Your Amount Without Seeing the Car
We value your vehicle from what you submit online. Three things set your amount:
- Vehicle value: what your year, make, model, and mileage are worth in today’s market.
- Condition: confirmed from the interior and exterior photos you upload.
- Ability to repay: your proof of income shows the monthly payments fit your budget.
We lend a share of your vehicle’s value, not all of it, because a vehicle can lose value during the loan and a smaller loan keeps your payments easier to manage.
How Amounts Vary by State
These three states show how much the legal limits and funded loan amounts can vary:
- California: California law sets no minimum or maximum loan amount. Based on our lending experience, most California title loans funded through Swift Title Loans range from about $2,800 to $6,000.
- Florida: Florida law sets no state minimum and a maximum of $25,000 under Chapter 516.
That is the law’s figure, not our offer, and based on our lending experience, most Florida title loans funded through Swift Title Loans range from about $800 to $3,100. - Texas: Texas law sets no state minimum or maximum, though local rules in cities such as Dallas, Houston, Austin, and San Antonio may be stricter, and some cap the loan at 3% of gross income or 70% of vehicle value.
On applications made through Swift Title Loans, most Texas title loans funded by the lender range from about $600 to $2,200.
Recent Title Loans Funded Online
These are recent title loans funded through our online process, one example per state, funded January 2026 to May 2026.
Across our online loans, the most commonly financed vehicles include the Honda Accord, Toyota Camry, and Ford F-150.
| 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 |
These are examples of past loans, not a promise of what you will receive. Your amount depends on your vehicle’s value, your ability to repay, and your state’s law.
Not sure what your car qualifies for? Submit a quick request,* see if you pre-qualify, and if so, get a free estimate online.
Applying does not affect your FICO® Score. Still have questions? Give us a call.
What You Need To Apply Online
In most cases, you can upload everything through our secure portal from your phone:^
- Vehicle title in your name, lien-free or nearly paid off
- Government-issued photo ID
- Proof of income
- Proof of address
- Proof of auto insurance
Requirements vary by state, and our list of title loan requirements explains each one.
Online Title Loans By State
Choose your state to see what it allows, along with examples of loans funded there.
- California
- Florida
- Georgia, where a title loan is often called a title pawn
- Indiana
- Ohio
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
Do not see your state? Browse all title loan locations by state. Online is the fastest route, but you can still visit one of our locations to complete the process in person.
Borrow Responsibly
A title loan uses your vehicle as collateral, so if you cannot repay the loan, you could lose your car. Title loans can also be expensive, so consider lower-cost options first when they are available.
If you decide to borrow:
- Borrow only what you need. A smaller loan generally costs less to repay.
- Make sure the payment fits your budget. Do not borrow more than you can comfortably repay.
- Pay it off sooner when possible. A longer repayment period can increase your total cost.
- Review the full cost before signing. Check the APR, payments, total repayment amount, and what can happen if you miss a payment.
Your exact costs and protections depend on your state’s law and the terms of your loan.
Frequently Asked Questions
Can I Get A Title Loan Without Showing The Car?
In most cases, yes. We check your vehicle from the photos or video you send, but you still need to own it, and the title must be in your name.
Is There A Credit Check For An Online Title Loan?
Applying does not affect your FICO® Score. We may check your background through a non-traditional consumer reporting agency, and that check has no impact on your FICO® Score either.
Is There A Rate Cap On Online Title Loans In California?
Yes. On loans of $2,500 to $9,999, California law caps the rate at 36% a year plus the federal funds rate. Loans of $10,000 or more have no state rate cap.
In most cases, the whole process runs online. See the California online title loan process.
How Much Can I Borrow With An Online Title Loan In Florida?
Florida law sets a maximum of $25,000 under Chapter 516, and your amount depends on your vehicle’s value and your ability to repay.
In most cases, the whole process runs online. See the Florida online title loan process.
What Happens If I Cannot Repay?
If payments stop, your vehicle can be repossessed under your state’s law, so call us before your due date if you are having trouble making a payment.
We will review your account and explain your options under your loan agreement.
You can see every way to make a payment on our how to pay page.
