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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If you're an Iowa resident in need of quick cash, car title loans offer a way to borrow against your vehicle's equity. These loans allow you to access funds while still driving your car. Even with bad credit, you could secure a loan based on your vehicle's value and repayment ability.
In Iowa, you can typically borrow between $2,500 and $50,000, with APRs generally up to 150%. Most lenders may provide 25% to 50% of your car's value, and repayment terms usually range from 30 days to a few months. Fast title loan approval is available for local borrowers!
Get started today to find reliable financial solutions in your area!
Iowa offers a straightforward framework for title loans, catering to those who may have bad credit and need quick access to funds. It's crucial to understand the specific regulations to make informed borrowing decisions.
| Loan Amount Range (Min-Max) | Fees & APR % | Repayment Terms | Unique State Law Conditions |
|---|---|---|---|
| $500 - $10,000 | 30% - 300% APR | Up to 30 days | Licensed lenders must comply with Iowa Code § 537.2302 |
Iowa's regulations stipulate that borrowers should only engage with licensed lenders, ensuring compliance with the law and protection of your rights. They must provide clear terms about fees and repayment to avoid unexpected costs. Borrowers can apply online with Swift Title Loans for a fast, no-obligation estimate, allowing you to explore your options easily. Remember, choosing a licensed lender that adheres to Iowa's laws is essential for a secure borrowing experience.
You can apply online for title loans in Iowa with Swift Title Loans. Start by sharing your contact and car details, then upload photos of your vehicle. A lender will review your information remotely, and pre-approval is subject to their policies. If approved, you could receive fast cash the same day—without visiting a store—making it an ideal option for local borrowers seeking help from home.
We proudly serve our community with personalized support.
Apply today and get cash in hand—often the same day.
Start your application online and finish in minutes.
Pay off your loan early without any extra fees.
We focus on your car’s value, not your credit score.
Getting the cash you need is quick and simple with our title loan process
Apply online or give us a call. No mountains of paperwork!
Your vehicle stays with you; we just hold the title as collateral.
We’ll estimate your loan based on your car’s value and your ability to repay.
Once approved, sign your agreement and leave with cash the same day.
Here's a real example of a funded title loan from our branch:
2015 Tesla Model Y | 2016 Kia K5 | |
| Loan Term | 24 month | 36 month |
| Estimated Vehicle Value | $25000 | $15000 |
| Loan Amount | $3222 | $2986 |
| Processing Fee | $75 | $75 |
| Lien Recording Fee | $15 | $15 |
| Monthly Payment | $141.35 | $89.49 |
| Monthly Interest | 0.42 | 0.42 |
| APR | 5.00% | 5.00% |
*All our repayment plans are without any hidden fees or prepayment penalties.
Before applying for a title loan in Iowa, we encourage you to consider safer financial alternatives. Local banks and credit unions are often a better choice, offering lower interest rates, flexible repayment terms, and community-focused service.
✅ Tip: Always compare interest rates, terms, and fees before settling on a loan option. There may be a better financial solution just around the corner.
Quick answers to help you feel confident about title loans.
Get pre-approved for your title loan in under 5 minutes. Quick start, because your time is precious.
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.
By submitting your loan request form, you acknowledge, agree, and authorize that (a) your information may be shared with third-party marketing partners and lenders in our network, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. Every lender may perform a credit verification, whether it is a traditional or non-traditional verification. Don’t be misled by the term ‘No Credit Check Loans’. Loan approval is subject to meeting the lender’s credit criteria. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state..
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..