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Part of the Swift Title Loans chain · locations
Swift Title Loans in Temple Terrace, FL
Temple Terrace, FL's Swift Title Loans at 6711 E Fowler Ave provides payday and title loans to local residents.
Data compiled from public sources · Rating from CreditDoc methodology
Swift Title Loans Review
Swift Title Loans is located at 6711 E Fowler Ave #12C in Temple Terrace, FL. This standalone storefront serves the Temple Terrace community with convenient access and extended operating hours. The location is open Monday through Friday from 9 AM to 7 PM, Saturday from 10 AM to 5 PM, and closed on Sundays.
This Temple Terrace branch offers quick payday advances and title loans to residents who need emergency cash. Whether you're facing an unexpected expense or need funds before your next paycheck, the team at this location can help. You can reach them at +1 813-652-0802 to discuss your loan options and get pre-approved.
When facing an unexpected expense in Temple Terrace, you can apply at this location with just your ID, proof of income, and vehicle title (if applicable). The application process typically takes minutes, and many applicants receive approval and funding the same day. Whether you need payday advances or a title loan, the Temple Terrace team can provide the emergency cash you're looking for.
Services & Features
256-bit SSL security for online transactions
Car title loans ($100–$2,000 standard; up to $50,000 for secured loans)
Email support (service@swiftloans.com)
In-person application at Memphis location
Loan approval for applicants with bad credit
Loan approval for applicants with past bankruptcies
Online loan application
Phone-based customer service (1-888-903-0217)
Same-day cash disbursement
Vehicle title holding with borrower vehicle retention
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding available for applications submitted by noon
- Accepts applicants with bad credit histories and past bankruptcies
- Loan amounts range from $100–$50,000, accommodating various cash needs
- Online application option available; no requirement to visit physical location
- Staff reported as patient and helpful in explaining loan terms (per reviews)
- Operates extended hours including Saturday (10am–5pm)
- Uses 256-bit SSL and TLS encryption for online security
Cons
- No APR, interest rates, or fee schedules disclosed on website—pricing transparency absent
- Requires vehicle title as collateral; default results in vehicle repossession and loss of transportation
- Customer reviews appear formulaic with suspicious repetition and keyword stuffing, undermining credibility
- Limited payment plan options reported in customer feedback
- Physical office has operational limitations (closed Sundays; parking lot crowding mentioned)
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 6711 E Fowler Ave #12C, Temple Terrace, FL 33617.
Quick Facts
- Headquarters
- 6711 E Fowler Ave #12C, Temple Terrace, FL 33617
- 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 appropriate for vehicle owners in genuine financial emergencies who have exhausted other borrowing options and can afford rapid repayment. The critical caveat is that title loans are high-cost, high-risk products where default results in permanent loss of your vehicle; combined with the website's lack of disclosed rates and suspiciously generic reviews, consumers should seek traditional personal loans, credit union PALs, or non-profit credit counseling before committing to a title loan.
Best For
- Vehicle owners facing genuine financial emergencies who need cash within hours
- Consumers with damaged credit unable to qualify for traditional personal loans or credit cards
- Borrowers with reliable income who can commit to rapid repayment to recover their vehicle title
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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