Auto Title Loan
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BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Part of the Swift Title Loans chain · locations
Swift Title Loans in Dallas, TX
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Dallas, TX - Swift Title Loans at 1916 Commerce Street provides quick title loans and payday advances with same-day approval.
Data compiled from public sources
Swift Title Loans Review
Swift Title Loans' Dallas location at 1916 Commerce Street #2 is a standalone storefront in Dallas's commercial core. The Commerce Street branch serves Dallas residents Monday through Friday 9AM-7PM and Saturday 10AM-5PM, providing convenient access for immediate financial needs.
At this Dallas, TX location, Swift Title Loans specializes in title loans and payday advances with flexible terms and listed rates. Contact +1 469-290-7846 to discuss loan options, current terms, and documentation requirements. The team here can process your application efficiently and explain all terms before approval.
Dallas residents should bring a valid ID and proof of income to this Swift Title Loans location; vehicle title is required for title loans. The Commerce Street address is accessible during extended weekday hours, making it convenient for working professionals in Dallas, TX. provider-stated funding timing and straightforward pricing are available at this storefront.
Services & Features
Car title loans ($100-$2,000 standard range, up to $50,000 maximum)
Collateral-based lending using vehicle titles
Email customer service (service@swiftloans.com)
In-person loan processing at Memphis location
Loan servicing to borrowers with bad credit and bankruptcy history
Online loan application and approval
Phone application support (1-888-903-0217)
Same-day or next-day funding
Title return upon loan repayment
Vehicle retention during loan repayment period
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day or next-day cash funding with online application capability
- Accepts applicants with bad credit, past bankruptcies, and poor credit scores
- Borrowers can retain and use their vehicle while repaying the loan
- Extended hours (Mon-Fri 9am-7pm, Sat 10am-5pm) for working individuals
- Staff consistently praised for patient explanations and non-judgmental service, particularly staff member Alfred
- Clear three-step process: apply online, receive cash, repay and reclaim title
- 256-bit SSL and TLS security encryption for online applications
Cons
- Title loans are inherently high-cost debt—APR, interest rates, and fee structures completely absent from website
- Risk of vehicle repossession and loss of transportation if unable to repay
- Potential debt cycle where refinancing leads to escalating fees and total interest paid
- Limited payment plan options according to multiple customer reviews
- Physical location signage clarity issues noted by first-time visitors; parking lot crowding mentioned
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Dallas, TX. It does not confirm that Swift Title Loans or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Payday loan rules in Texas
Status: Permitted
Rate context: No state fee cap; structured through Credit Access Business (CAB) model with effective APRs frequently exceeding 500%
Payday loans are legal in Texas but operated as Credit Access Businesses (CABs) that arrange loans through third-party lenders, exempting them from state usury rate caps. Several cities (Austin, Dallas, San Antonio, Houston) have enacted local ordinances imposing loan amount limits and rollover restrictions. Austin limits CAB loans to $1,500 and restricts rollovers; Dallas limits loans to $500 with 90-day mandatory waiting period between loans. The Texas Finance Code (Tex. Bus. & Com. Code § 59.001-59.060) regulates CABs but does not establish fee caps.
Installment loan rules in Texas
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Key state rules to check
- Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
- No state cap on CAB fees; effective APRs frequently exceed 500%.
- Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
Complaint resources
- Texas Office of Consumer Credit Commissioner - State Regulator
- Texas Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Swift Title Loans offer?
Swift Title Loans offers 10 services including Car title loans ($100-$2,000 standard range, up to $50,000 maximum), Online loan application and approval, Same-day or next-day funding, Loan servicing to borrowers with bad credit and bankruptcy history, Collateral-based lending using vehicle titles, and 5 more.
What profile signals are listed for Swift Title Loans?
Swift Title Loans has profile signals associated with Consumers with damaged credit who may not meet traditional personal-loan criteria and are researching emergency-cash options within 24 hours, Vehicle owners facing unexpected expenses (medical, utility, emergency) who have own transportation secured, Borrowers who have already explored payday loans and credit union PALs without success.
What are the strengths and weaknesses of Swift Title Loans?
Key strengths: Same-day or next-day cash funding with online application capability; Accepts applicants with bad credit, past bankruptcies, and poor credit scores; Borrowers can retain and use their vehicle while repaying the loan. Areas to consider: Title loans are inherently high-cost debt—APR, interest rates, and fee structures completely absent from website; Risk of vehicle repossession and loss of transportation if unable to repay.
How does Swift Title Loans compare to similar companies?
In the Emergency Cash category, comparable providers include Auto Title Loan, Car Title Loan, EZ Cash Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 1916 Commerce St #2, Dallas, TX 75201
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Swift Title Loans
Swift Title Loans is profile signals for individuals with poor credit facing genuine financial emergencies who can afford high-cost debt and have a vehicle they can use as collateral. The primary caveat is that title loans carry substantial financial risk—the complete absence of disclosed APRs, fees, and term details on their website means borrowers cannot assess true cost before applying, and default consequences include vehicle loss and transportation disruption.
Profile Signals
- Consumers with damaged credit who may not meet traditional personal-loan criteria and are researching emergency-cash options within 24 hours
- Vehicle owners facing unexpected expenses (medical, utility, emergency) who have own transportation secured
- Borrowers who have already explored payday loans and credit union PALs without success
Updated 2026-05-23
Similar Companies
Car Title Loan
Blaze Payday Loans is an online loan marketplace connector that connects borrower inquiries to third-party payday and personal lenders for short-term cash access up to $10,000.
BBB: NR
Profile signals: Borrowers with bad credit needing emergency-cash timing to verify, Consumers seeking application-process timing claims for urgent expenses
EZ Cash Title Loans
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Compare Your Needs With Swift Title Loans
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Quick Summary
- Swift Title Loans is listed as a Emergency Cash provider in Dallas, TX on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position How to Read Your Credit Report (And Spot Errors) Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
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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 are required to 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 lower-cost 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 high-cost 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 may only be required 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 repeat-borrowing risk: 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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