Swift Title Loans
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Bad credit & past bankruptcies? All welcome to apply!
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Swift Title Loans
Sign up by noon, get cash today!*
Bad credit & past bankruptcies? All welcome to apply!
Apply in Minutes
Send Documents & Vehicle Photos
Review Your Offer & Get Funded
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Title loans are legal in Utah and are regulated under the Title Lending Registration Act (Utah Code Title 7, Chapter 24), overseen by the Utah Department of Financial Institutions (DFI). Title lenders must register with the department.
Utah sets no statutory rate cap. The Act requires lenders to follow the Utah Consumer Credit Code, which lets the parties agree the finance charge (§ 70C-2-101). That makes the written schedule of interest and fees — shown both in dollars and as an APR — the key document to read before you sign.
What Utah does limit is the loan itself: it cannot exceed your vehicle's fair market value, only one title loan may be open on a vehicle, and the lender must consider your ability to repay. If you default, repossession is the lender's only remedy.
| Rule | What Utah Allows |
|---|---|
| Legal structure | Title Lending Registration Act (Utah Code Title 7, Chapter 24); lenders register with the Utah Department of Financial Institutions |
| Rate cap | None. The finance charge is set by the loan agreement (Utah Code § 70C-2-101) |
| Loan size | May not exceed the fair market value of the vehicle |
| Loans per vehicle | Only one title loan on a vehicle at a time |
| Ability to repay | The lender may not lend without regard to your ability to repay |
| Rollovers | Only at your request; no numeric limit (Utah Code § 7-24-202(3)(a)) |
| Disclosure | The lender must post and orally review a schedule of all interest and fees, give you a written contract and disclosure form, and comply with the Truth in Lending Act |
| Repossession | Permitted on default; repossession is the lender's sole remedy |
| Deficiency | Not permitted — the lender may not pursue you for any balance left after repossession |
| Collection limits | No wage garnishment and no criminal prosecution |
We do not publish a Utah cost table, and that is deliberate. Utah sets no maximum rate, so there is no legal ceiling to show — printing a representative APR would suggest a limit that does not exist.
What to use instead: the schedule of interest and fees the lender must post and review with you, stated both as dollar amounts and as an APR. Compare the total dollar cost, not just the monthly payment.
Utah title lenders must register with the Department of Financial Institutions. You can look up a lender on NMLS Consumer Access before you borrow.
Because Utah does not cap the price, its protections focus on the loan and on collection. The loan cannot exceed your vehicle's fair market value, only one title loan may be open on the vehicle, and it may be rolled over only at your request. If you default, the lender's only remedy is the vehicle: it may not pursue you personally, garnish your wages, seek a deficiency after sale, or have you criminally prosecuted. Complaints go to the Utah Department of Financial Institutions.
Before you sign, be clear on the payment, the number of payments, and the total you will have paid when the schedule ends. The figures in your own agreement are the ones that count, not the examples on any website — ours included.
A title loan is one way to cover a shortfall, and it is worth putting it next to a few alternatives before you commit your car's title. A credit union small-dollar loan, a payment plan negotiated directly with the biller, a paycheck advance from your employer, or help from a local assistance programme will often cost less. If none of those work, borrow the smallest amount that solves the problem and pay it off as quickly as your budget allows.
Keep your vehicle in the picture too. The title is the security, so a loan you cannot repay puts the car you rely on at risk — and in most cases that car is worth considerably more than the loan.
Quick answers to help you feel confident about title loans.
Title loans made simple.
Get a free quote online in 7 minutes,* or visit a location near you. Same-day funds available.*
207 E Canal St #7, Mulberry, FL 33860 | (863) 591-5449
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.