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Part of the Swift Title Loans chain · locations
Swift Title Loans in Buena Park, CA
Buena Park, CA's Swift Title Loans at 8302 La Palma Ave STE 301 provides quick title loans and same-day cash advances.
Data compiled from public sources · Rating from CreditDoc methodology
Swift Title Loans Review
Swift Title Loans in Buena Park operates at 8302 La Palma Ave STE 301, a standalone storefront location easily accessible from central Buena Park. The location is open Monday through Thursday from 9 AM to 5 PM, Friday 9 AM to 7 PM, and Saturday 10 AM to 5 PM, giving Buena Park residents multiple opportunities to visit during their preferred hours.
At this Buena Park location, you'll find title loan specialists ready to process applications for quick cash based on your vehicle's equity. The team accepts applications for title loans and cash advances, with competitive rates and transparent terms. Call +1 714-477-7028 to discuss your eligibility or to schedule an appointment.
If you're a Buena Park, CA resident facing unexpected expenses, a title loan lets you keep driving while accessing funds quickly. Bring your vehicle title, valid ID, proof of insurance, and proof of residency. Swift Title Loans focuses on quick approvals and transparent pricing at this location.
Services & Features
Bad credit loan approval
Car title loans ($100–$2,000 tier)
Car title loans ($2,000–$50,000 tier)
Email customer service
In-person branch service in Memphis, TN
Online loan applications
Phone loan inquiries and support
Post-bankruptcy loan acceptance
Same-day cash funding (noon cutoff)
Vehicle-collateral loans with continued car possession during repayment
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding available for applications approved before noon
- Explicitly accepts bad credit and past bankruptcies — no minimum credit score barrier stated
- Borrowers keep physical possession of their vehicle during the loan term
- Wide loan range: $100 to $50,000 covers both small emergencies and larger needs
- Extended weekday hours (9am–7pm) and Saturday availability (10am–5pm)
- 256-bit SSL and TLS security on online applications
- In-person Memphis location with staff available for hands-on application help
Cons
- Vehicle title is pledged as collateral — default risks repossession of your car
- No APR, interest rate, or fee information disclosed on the website
- Single location only — no service outside Memphis, TN
- Closed on Sundays, limiting access during weekend emergencies
- Several customer reviews contain unusual keyword-stuffed language, raising questions about review authenticity
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Swift Title Loans legitimate?
Yes. Swift Title Loans is a registered company, headquartered in 8302 La Palma Ave STE 301, Buena Park, CA 90620.
Quick Facts
- Headquarters
- 8302 La Palma Ave STE 301, Buena Park, CA 90620
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Swift Title Loans
Swift Title Loans is best for Memphis-area consumers who own a vehicle with clear title and need emergency cash that they cannot access through conventional credit channels, including those with bankruptcy history. The critical caveat is that title loans put your vehicle at risk if you default, and the website discloses no APR or cost information — borrowers must request full loan terms in writing before signing anything.
Best For
- Memphis residents who own a paid-off vehicle and need emergency cash quickly
- Borrowers with bad credit or past bankruptcies who have been rejected by conventional lenders
- People who need same-day funding and have a clear short-term repayment plan
- Those needing larger amounts than typical payday lenders offer, backed by vehicle equity
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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