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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Virginia residents can find themselves in need of quick cash, and car title loans offer a solution by using your vehicle as collateral. With approval focusing on your car's value and clear title rather than your credit score, this option is accessible even for those with bad credit.
In Virginia, title loans typically allow borrowing against 25% to 50% of your vehicle's value, with amounts up to $50,000 and APRs generally reaching up to 150%. Repayment terms vary by lender, but quick cash loans are often structured over a short period. Always be mindful of potential fees and the importance of repayment to avoid risking your vehicle.
Serving your community, Swift Title Loans aims to help local borrowers get fast cash solutions when they need it most. Your fast cash solution is right around the corner!
In Virginia, title loans provide a quick solution for those in need of emergency funds, especially for individuals facing credit challenges. It is vital to understand the specific regulations and requirements to ensure a compliant borrowing experience.
| Loan Amount Range | Fees & APR | Repayment Terms | Unique State Law Conditions |
|---|---|---|---|
| $1,000 - $10,000 | 15% per month; 180% APR max | 1 to 12 months | Licensed lenders must follow the Virginia Title Loan Act, requiring clear disclosures. |
Virginia's laws, as outlined in the Virginia Code § 6.2-2200, stipulate that all title loans must be offered by licensed lenders who adhere to strict regulations. Potential borrowers should ensure that their lender complies with these laws for a safe borrowing experience. Borrowers in Richmond, Virginia Beach, and Norfolk can apply online with Swift Title Loans for a fast, no-obligation estimate. Make sure to choose a licensed lender to protect your rights and financial well-being.
Virginia residents can apply online with Swift Title Loans. To get started, simply share your car details and contact information, then upload photos of your vehicle. Your loan will be reviewed remotely by a lender, and while approval is subject to their policies, same-day cash may be available if approved—all from home and without visiting a store. This convenient option is ideal for local borrowers seeking fast cash.
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.
If you've found yourself in a difficult financial position and need access to cash, you may qualify for an instant online title loan. Check the requirements and get started!
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:
2023 Chevrolet Silverado | 2022 Jeep Cherokee | |
| Loan Term | 24 month | 36 month |
| Estimated Vehicle Value | $40000 | $30000 |
| Loan Amount | $3132 | $4120 |
| Processing Fee | $75 | $75 |
| Lien Recording Fee | $15 | $15 |
| Monthly Payment | $137.41 | $123.48 |
| 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 Virginia, consider exploring safer financial alternatives. Local banks and credit unions often provide lower interest rates, flexible repayment terms, and a community-focused service that can help meet your financial needs more effectively.
Here are a few trusted financial institutions in Virginia:
✅ Tip: Always compare interest rates, loan terms, and any associated fees before committing to a loan. Sometimes, a more supportive financial option is just a visit away.
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..