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:
Expenses happen, whether we’re prepared for them or not. Swift Title Loans offers financial support to those who need help getting back on their feet. Get pre-approved for cash in a few minutes with our easy online application. You may even get your funds on the same business day.
We make it easy to borrow between $500 and $50,000, or 25-50% of your car’s value, even if you have poor credit history. Apply for an online title loan in California and get approved in as little as 24 hours.
A car title loan, or auto title loan, is a short-term borrowing agreement that uses your vehicle’s title as collateral. You give the lender your title until you’ve repaid the loan – in return, you receive the loan amount. If you can’t repay, the lender can take your car.
Title loans differ from traditional loans in their operation. Rather than your credit score, a title loan depends on your vehicle’s value and your ability to repay the loan.
One notable benefit of car title loans is convenience. You can keep your car while repaying your loan.
Many Californians who can’t qualify for traditional bank loans opt for car title loans as short-term alternatives.
Residents who need quick cash and have a vehicle title can borrow from any title loan lender licensed by the California Department of Financial Protection and Innovation (DFPI).
Here’s a quick look at some of the most important details about California title loans:
| Category | Details |
| Minimum Loan Amount | $2500 |
| Interest Rate Cap | 30% APR cap for loans < $2500No APR cap for loans > $2500 |
| Loan Term | Usually 30 days to 36 months |
| Oversight Agency | California Department of Financial Protection and Innovation |
Since most title loans in California are over $2,500, many have high annual interest rates. The average APR for car title loans in California is about 70% to 100%. However, interest rates may reach as high as 300%. That’s why it’s important to ensure you can repay a title loan before you agree to it.
To get a car title loan in California, you need to provide certain documentation and have each of the following:
You don’t have to have fully paid off your car to be eligible for a title loan. However, you must have ownership of the vehicle and either the pink slip or a California certificate of vehicle ownership.
Choosing us for your car title loan guarantees a quick and simple process to obtain instant cash. Once your application and documents are reviewed, you can expect to potentially receive your funds on the same business day!
We’re here for you seven days a week – no appointments or wait times necessary.
To get started, fill out our online title loan application or give us a call at (888) 557-7115. Our application process takes just a few minutes and is totally secure.
Submit copies of your documentation. The team will then review your application and materials. Meanwhile, the lender creates a loan offer suited to your needs.
Once the lender approves your application and you’ve signed the loan documents, it’s time to get paid! In most cases, you receive cash the same business day you apply.
If you have a car title, you may be eligible for a quick cash from an online loan. Trust our reliable service to help you find the right solution.
Ensure your title loan borrowing experience is as beneficial as possible with these helpful tips.
1. Understand Your Rights and Responsibilities
As a borrower, you are protected by laws like the Truth in Lending Act (TILA), which mandates that lenders fully disclose the terms of your loan. Always review these terms carefully before signing any agreement.
2. Borrow Responsibly
Only take out a loan for the amount you can realistically afford to repay on time. Keep in mind that this amount may be less than you are eligible to receive.
3. Consider the Costs
Remember, the convenience of quick and easy title loans often comes at a high price due to elevated interest rates and fees.
4. Read Before Signing
Ensure that your loan agreement clearly states all interest rates, the annual percentage rate (APR), and any additional fees.
Yes, car title loans are legal in California. They’re watched over by the Department of Financial Protection and Innovation to ensure they’re fair and don’t take advantage of borrowers. However, they have limits and charge high interest rates, sometimes up to 291%. That’s why we suggest only using title loans as a last option.
California auto title loans that are less than $2,500 have an annual interest rate cap of 30%. Loan amounts over $2,500 have no cap on interest. This means that lenders can charge as much as they want.
To get a title copy, you first must either mail in or make an in-person request at your local California Department of Motor Vehicles (DMV) office.
Next, complete an Application for Duplicate Title Form (Form REG 227). If you are the vehicle’s legal or true owner, you must sign the document and have it notarized before submission.
Title loans generally don't impact your credit score because lenders typically don't report payment history to credit bureaus. However, it's important to remember that defaulting on the loan can have negative consequences on your credit.
Title loans tend to be costly mainly due to their high interest rates and fees. Additionally, because they are often short-term loans and are secured by the borrower's vehicle, lenders may charge higher rates to mitigate the risk involved.
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Get started today and get a loan of up to $50,000!
cartitleloansla.com (the “Website”) is not a lender or lending partner. It does not make loans of any type and does not make any credit decisions. Instead, the Website is designed solely to connect you with third-party lenders and marketers. The Website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. The data concerning short-term loan products and the industry is presented on the website for information purposes only. The Website does not endorse any lender, nor does it represent or is responsible for the actions or inactions of the lenders. The Website does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Providing your information on the website does not guarantee you will be approved for a loan or credit product. This service and lenders are not available in all states. In some cases, you may be connected with a tribal lender. Tribal lenders are subject to tribal and certain federal laws only, while other lenders are also subject to state law including usury caps.
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Consumers may need to demonstrate ability to repay the loan. Upon completion of the loan request form, a conditional approval may be given pending review of additional documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing. Lenders recommend and encourage consumers to pay early in order to avoid additional finance charges. Short term, installment, and payday loans should be used with caution. If you have any questions about your loan, please contact your lender directly..