Swift Title Loan

Sign up by noon, get cash today!

Bad credit & past bankruptcies? All welcome!

How much can I borrow?

High Security

256-bit SSl

TLS Security

01

Easily apply online

02

Get cash and keep your car

03

Repay loan and get title back

You are here:

Home New York

Title Loans in New York

In a Nutshell: What Are Car Title Loans in New York?

New York residents seeking quick cash solutions can turn to car title loans, which allow you to access funds by using your vehicle's title as collateral. This is a viable option even for those with bad credit, as approval is based on your car's value and your ability to repay.

In New York, loans can range from $500 to $50,000, featuring an APR that typically caps at 150%. Repayment terms may vary, but local title loan services usually provide flexible schedules. Be aware of potential fees, which can also differ by lender.

Your fast cash solution is right around the corner—check your eligibility for a title loan in your area today!

Key Takeaways: Title Loans in New York

  • Title loans available: Residents of New York can still access title loan services despite certain state restrictions.
  • Fast Access to Cash: Get emergency funding often within 24 hours, sometimes the same day.
  • Approval Based on Vehicle & Income: Lenders prioritize your car's value and income over credit history.
  • Borrow Up to $50,000: Typical loan amounts range from $2,500 to $50,000 based on vehicle equity.
  • High Interest Rates: Use responsibly for short-term needs due to potentially high APRs.
  • Repossession Risk: Late or missed payments may lead to vehicle repossession—make timely payments to avoid this.

Title Loans in New York: Regulations & Key Details

Are Title Loans Available in New York?

Important Notice:
Yes, New York residents can still access title loan services, even with certain state restrictions. While New York 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 York with no obligation!

Loan Amount Range (Min-Max) Fees & APR % Repayment Terms Unique State Law Conditions
$25 - $50,000 Up to 10% fees, APR up to 150% 2 to 4 years Available through out-of-state lenders

- Title loans may offer funds critical for unexpected expenses, making them an attractive option for those with bad credit.
- Always ensure you're working with a licensed lender that adheres to state regulations.
- Major cities like New York City, Buffalo, and Rochester may have lenders available.

Borrowers can apply online with Swift Title Loans for a fast, no-obligation estimate today!

Online Title Loans in New York

You can apply online for title loans with Swift Title Loans, catering to local borrowers in need of fast cash. To start, share your contact and car details, then upload photos of your vehicle. A lender will review your application remotely based on their policies. If approved, you may receive same-day cash—all from home and without visiting a store.

Why Choose Swift Title Loans?

Local Service

We proudly serve our community with personalized support.

Fast & Easy

Apply today and get cash in hand—often the same day.

Online Convenience

Start your application online and finish in minutes.

No Pre-Payment Penalties

Pay off your loan early without any extra fees.

No Hassle, No Credit Check

We focus on your car’s value, not your credit score.

Experience a title loan process that’s quick, local, and built around your needs

How It Works in New York

Getting the cash you need is quick and simple with our title loan process

01

Apply in Minutes

Apply online or give us a call. No mountains of paperwork!

02

Use Your Car Title

Your vehicle stays with you; we just hold the title as collateral.

03

Get a Quick Evaluation

We’ll estimate your loan based on your car’s value and your ability to repay.

04

Sign & Drive

Once approved, sign your agreement and leave with cash the same day.

Example of Title Loan Funded in New York

Here's a real example of a funded title loan from our branch:

2022 Toyota Venza

2019 Kia Rio

Loan Term24 month36 month
Estimated Vehicle Value$30000$15000
Loan Amount$2579$3651
Processing Fee$75$75
Lien Recording Fee$15$15
Monthly Payment$113.14$109.42
Monthly Interest0.420.42
APR5.00%5.00%

*All our repayment plans are without any hidden fees or prepayment penalties.

Responsible Recommendation for New York Residents

Before applying for a title loan in New York, we encourage you to explore safer financial alternatives. Local banks and credit unions often provide lower interest rates, flexible repayment terms, and a personalized approach to your financial needs.

Here are a few trusted financial institutions in New York:

✅ Tip: Always compare interest rates, fees, and terms before making a loan decision. A more suitable option might be available in your community.

Frequently Asked Questions

Quick answers to help you feel confident about title loans.

Are title loans legal in New York?

Title loans are not legally permitted in New York. Instead, New York residents seeking short-term loans may want to explore other types of loans from licensed lenders or federally regulated institutions that comply with federal guidelines.

What options do I have for title loans if they are not available in New York?

While traditional title loans are prohibited, residents can explore online lending options from federally regulated lenders, such as FDIC-insured banks, which may provide loans secured by vehicle titles. Ensure that any lender you consider complies with federal regulations.

What is the typical loan amount for title loans in New York?

If title loans were available, loan amounts could typically range up to $50,000, depending on the vehicle's value. For loans from alternative lenders, amounts may vary, so it’s important to check specific offers and terms.

What are the interest rates for title loans?

While title loans are not allowed in New York, interest rates from alternative lenders in similar contexts can range significantly. Typically, APRs for unsecured loans can be as high as 150%, but always verify with individual lenders for their specific rates.

What documents do I need to apply for a title loan?

Although title loans are not offered in New York, if you pursue alternative lending options, you may need:
  • Valid government-issued ID
  • Proof of income
  • Vehicle title in your name
  • Proof of residence
Check directly with the lender for any additional documentation requirements.

What are the risks associated with title loans?

Title loans can carry significant risks, including high-interest rates and the potential for repossession of your vehicle if you default on the loan. It's essential to consider these factors carefully before pursuing any loan option.

How can I apply for a title loan online?

While title loans are not available in New York, you can apply online for alternative loans from federally regulated lenders. Services like Swift Title Loans offer fast, no-obligation estimates to help you understand your options, even if you have bad credit.

Can I get help from local lenders?

Yes, there are many licensed lenders and credit unions in your area that provide

Fast Title Loans

Get pre-approved for your title loan in under 5 minutes. Quick start, because your time is precious.

How much can I borrow?

High Security

256-bit SSl

TLS Security

Skip to content