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 in New Jersey and need cash fast, car title loans offer a quick solution by using your vehicle's title as collateral. These loans are available even for those with bad credit, focusing primarily on your car's value and clear title.
You can typically borrow between $1,000 and $50,000, with an APR that may reach up to 150%. The loan-to-value (LTV) ratio usually ranges from 25% to 50% of your vehicle's worth. Remember, fees and terms may vary by lender, so be sure to check eligibility with local title loan services.
New Jersey residents can access reliable financial solutions to help with emergency expenses—your fast cash solution is just around the corner!
Important Notice: Yes, New Jersey residents can still access title loan services, even with certain state restrictions. While New Jersey regulations may impose limits, some lenders, including FDIC-member banks, exempt from state laws, continue to offer this option.
At Swift Title Loans, we make the process simple. Complete our online request form today to get pre-approved for a title loan in New Jersey with no obligation!
| Loan Amount Range (Min-Max) | Fees & APR % | Repayment Terms | Unique State Law Conditions |
|---|---|---|---|
| $25 - $50,000 | Up to 10% (max fees); APR up to 150% | 2 to 4 years | Title loans are available through out-of-state lenders operating within their own regulations. |
Title loans in New Jersey are designed to assist residents, especially those with bad credit, in securing emergency funds. Borrowing against your vehicle title can be a viable solution. It’s important to choose a licensed lender that follows state laws. Apply online with Swift Title Loans for a fast, no-obligation estimate today!
You can apply online for title loans with Swift Title Loans, a convenient option for local borrowers. Start by sharing your contact information and car details, then upload photos of your vehicle. A lender will review your application remotely, and while approval is subject to lender policies, you might receive fast cash the same day—all from home and without visiting a store.
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:
2020 Toyota Camry | 2015 Toyota Mirai | |
| Loan Term | 24 month | 36 month |
| Estimated Vehicle Value | $25000 | $20000 |
| Loan Amount | $5333 | $4096 |
| Processing Fee | $75 | $75 |
| Lien Recording Fee | $15 | $15 |
| Monthly Payment | $233.97 | $122.76 |
| 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 New Jersey, we encourage you to explore safer financial alternatives. Local banks and credit unions often provide lower interest rates, flexible repayment terms, and community-focused service that can better suit your financial needs.
Here are a few trusted financial institutions in New Jersey:
✅ Tip: Always compare interest rates, repayment terms, and any fees before deciding on a loan. There may be a more affordable and secure option available to you!
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..