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Part of the Swift Title Loans chain · locations
Swift Title Loans in Sacramento, CA
Sacramento, CA's Swift Title Loans at 1408 28th St Unit 104 offers same-day payday and title loans with flexible repayment options.
Data compiled from public sources · Rating from CreditDoc methodology
Swift Title Loans Review
Swift Title Loans is located at 1408 28th St Unit 104 in Sacramento, CA, in a convenient standalone storefront. The location is open Monday through Saturday, with extended Saturday hours until 7 PM. Sacramento residents can visit during weekday hours from 9 AM to 5 PM (10 AM on Mondays) or on Saturdays from 9 AM to 7 PM, with the location closed on Sundays.
This Sacramento-based location specializes in title loans and payday advances, offering quick cash solutions when you need them most. Call +1 279-202-9378 to discuss your loan options, apply over the phone, or visit in person at the 28th Street location. The staff can answer questions about loan terms, documentation requirements, and funding timelines.
If you need immediate cash in Sacramento, CA, bring a valid government-issued ID, proof of income, and your vehicle title if seeking a title loan. Payday loans typically fund within one business day, making them ideal for unexpected expenses. Swift Title Loans provides a straightforward borrowing experience for Sacramento residents facing short-term cash needs.
Services & Features
Bad credit loan approval
Bankruptcy approval lending
Car title loans secured by vehicle ownership
Email support (service@swiftloans.com)
Emergency cash loans $100-$2,000
In-person application assistance at Memphis location
Larger title loans up to $50,000
Online loan application and approval
Phone consultation (1-888-903-0217)
Same-day or next-day funding
Secure 256-bit SSL encrypted online applications
Title return upon loan repayment
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Accepts applicants with bad credit, past bankruptcies, and no collateral requirements (unsecured option mentioned)
- Same-day or next-day cash funding advertised with online application option
- Loan range from $100-$2,000 for immediate needs up to $50,000 for larger borrowing
- Allows borrowers to retain vehicle possession while holding title as collateral
- Extended weekday hours (9am-7pm Mon-Fri) and Saturday availability (10am-5pm)
- Staff assistance with application and paperwork (specifically mentioned: Alfred)
- SSL/TLS security encryption for online applications
- Competitive rates compared to other regional finance lenders per customer reviews
Cons
- Vehicle title held as collateral creates risk of repossession if payments are missed
- No specific APR, fees, or interest rate information disclosed on website
- Limited online self-service capabilities; no mobile app for account management or payment reminders
- Physical location signage unclear for first-time visitors; parking lot capacity issues noted
- Limited payment plan options and inflexible scheduling per customer feedback
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 1408 28th St Unit 104, Sacramento, CA 95816.
Quick Facts
- Headquarters
- 1408 28th St Unit 104, Sacramento, CA 95816
- 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 suited for individuals with damaged credit or recent bankruptcy who own a vehicle and need emergency cash within 24 hours, typically $1,000-$5,000. The primary caveat is that this is a secured loan using your vehicle title as collateral—failure to repay can result in vehicle repossession, making it higher-risk than unsecured alternatives if available. Borrowers should verify current APR and fees before committing, as these critical terms are not disclosed on the reviewed website.
Best For
- Individuals with bad credit or recent bankruptcy needing emergency cash within hours
- Vehicle owners needing $1,000-$5,000 quickly who can pledge a car title
- Borrowers seeking same-day funding who cannot qualify for traditional personal loans or payday loans
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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