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Title Loan Laws by State

Antonia Lehman Written by Antonia Lehman|Last updated November 4, 2026 2 min read Derrick Creighton Jr.Reviewed by Derrick Creighton Jr.Editorial Reviewer & Fact-Checker

Rates, Loan Limits, Fees, and Borrower Protections

Title loan laws are different in every state. Your state’s law may set limits on how much you can borrow, interest rates and fees, loan terms, repossession rules, and other borrower protections.

Knowing your state’s title loan laws can help you decide whether a title loan fits your needs and understand the protections available to you as a borrower.

Choose your state below to go directly to the sections that explain the title loan rules that apply there, including the relevant law or statute and how pricing works in that state.

Jump to your state: California · Florida · Georgia · Indiana · Ohio · South Carolina · Tennessee · Texas · Utah · Virginia

Choose Your State

Disclaimer: These summaries are for general information only and are not legal advice. Title loan laws can change. Always review your loan agreement and disclosures before you sign.

Frequently Asked Questions

What If My State Is Not on This Page?

Swift Title Loans offers title loans only in the states listed on this page. If your state is not listed, we do not currently offer title loans there.

What Happens If I Fall Behind on My Title Loan?

How Can I Check the Law for My State?

Antonia Lehman, Chief Operating Officer
Written by Antonia Lehman Chief Operating Officer Swift Title Loans

Antonia Lehman leads operations at Swift Title Loans as Chief Operating Officer, guiding how the company lends, services loans, and looks after customers every day.

Working from Swift Title Loans' main operations office in Mulberry, Florida, she partners with the underwriting, compliance, servicing, and customer care teams that help drivers across the states where Swift Title Loans lends.

Antonia earned her Associate of Arts in Business Administration at West Los Angeles College, and brings hands-on expertise in operations management, regulatory compliance, loan servicing, and customer support.

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Derrick Creighton Jr., Editorial Reviewer & Fact-Checker
Reviewed by Derrick Creighton Jr. Editorial Reviewer & Fact-Checker Swift Title Loans

Derrick Creighton Jr. is an Accredited Financial Counselor® and Certified Credit Counselor™, and a graduate student in Financial Therapy at Kansas State University. He reviews Swift Title Loans guides for accuracy, fairness, and responsible borrowing, with a focus on budgeting, debt reduction, and credit management.

More about our team LinkedIn

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Approval for any loan product from Swift Title Loans is based on our internal underwriting standards. Rates, terms, and the types of loans available to you depend on the laws of your state and your individual financial situation. Not every person who applies will be approved, and the amount you qualify for may be less than the maximum we offer. All products are governed by their respective terms and conditions. Title loans and related products are built for short-term financial relief. They are not designed to serve as ongoing credit facilities. If you find yourself in a cycle of borrowing, please reach out to a credit counseling professional for guidance. Online applicants should be aware that verification of submitted details may be necessary, which could delay funding by up to two business days after final approval.

Your FICO® Score is not affected when you submit a loan request to Swift Title Loans. We may check your background through a non-traditional consumer reporting agency. That check could show up on your record with the agency in question, but it has no impact on your FICO® Score.

USA PATRIOT ACT ACCOUNT OPENING NOTICE: Federal law mandates that financial institutions obtain, verify, and maintain a record of the information used to identify anyone who opens an account. During this process, you will be asked for your name, address, date of birth, and other identifying information. A driver's license or other form of government-issued ID may also be required.

*Completing the online request may take about seven minutes. Funding is subject to approval, document review, and receipt of all required signed documents submitted before noon local time on a business day.

^About “no store visit” and “no inspection”: These terms mean no in-person store visit or walk-around vehicle inspection at a branch. Applicants are still required to submit photos and/or videos of the vehicle, including all four exterior sides, interior front and back, odometer, and VIN. Some states may require an in-person visit by law for title verification, and we may require an in-person inspection if vehicle condition cannot be fully assessed from photos or videos. Loan availability, terms, and approval depend on state law and individual qualifications. 

If you use a screen reader or experience any accessibility issues with this website, call (863) 591-5449 and we will provide the assistance you need.

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