Same Day Cash Car Title Loans In Georgia

Have you recently fallen behind on your bills or faced a situation where you need to borrow $1,000 or more? Everyone knows you can borrow money from a bank or apply for a personal loan, but what happens if you have bad credit or need cash quickly? You’ll often be turned down and told to take out a payday loan or other type of high interest cash advance. At Title Pawn Online, we’re here to convince you that a title loan in Georgia can be an effective way to borrow cash.

A car title loan can be an option if you need emergency cash and have bad credit. Online title loans use your car’s equity as collateral, meaning you can borrow up to $20k from a lender in GA. You can still drive your vehicle, and your lender will take possession of the title as collateral for the amount borrowed. Call us at 888-370-7434 or apply online to get started, and you’ll be surprised to see how easy it is to cash out equity from a lien free vehicle!

Approval For Title Pawns In Georgia & What Are The Requirements

To get a title loan in Georgia, you’ll need a quote based on the vehicle’s year, make, model, and mileage.  We will check the car’s resale value and determine a funding amount based on the collateral in your vehicle. Some title pawn companies in Atlanta offer up to $20k for cars with high resale values! You may be limited to what you can borrow in smaller locations simply because there aren’t as many finance companies.

Requirements for getting a title loan in Georgia include being 18 years old and having a physical copy of your car title. The pink slip is what any title pawn company will ask for when you first apply, and it will be challenging to get approved without one. The car’s title must show you as the primary owner, and you can’t have any outstanding loans on the pink slip. Some lenders will also require valid car insurance, registration, and proof of employment.

For loan amounts over $5,000, you may need to bring your car, truck, or motorcycle for an in-person inspection at any location in Macon, Augusta, or other retail offices in Georgia. An inspection is typically required for higher loan amounts as there is too much risk for a lender if they can’t visually inspect the vehicle and verify the mileage. Some companies allow video proof of the car, but even in this case, you need to show the entire interior and exterior of the vehicle, and loan amounts are often less than $5,000. The good thing with an inspection is that you can complete all the underwriting requirements in one store visit, sign the contract, and pick up your money in just a few hours.

Interest Rates & Fees With Car Title Loans In Georgia

The interest rates on title loans can be high, depending on the lender you work with. Expect an APR that may approach 90% for a title loan, and some companies will have rates higher than that with a repayment term of 6 to 48 months! Regarding fees for title pawn loans, we always recommend negotiating with your lender, as most companies in Georgia are willing to come down a bit on the interest rates. Are you looking for a more manageable monthly payment? While it’s easiest to pay the lowest amount possible each month, we recommend paying the maximum amount that fits into your budget. That way, you can repay your loan in half the advertised time and save money on interest payments when you repay the loan early.

Title Pawn Online can also help you refinance an existing title pawn with a high interest rate. While the APR on a title loan in Georgia is often high, we may be able to negotiate with your existing lender and find you a company offering a lower interest rate. Refinancing is a great way to save money and pay off your title loan quicker so call us at 888-370-7434 to see what options are available with a title loan refinance!

How Much Money Can I Borrow With Online Title Pawns In GA?

Loan amounts for vehicle title loans in Georgia are primarily based on the car’s value and your credit score, and you can borrow up to 50% of the car’s value. Loan amounts from $1,000 to $20,000, with an average funding amount as of 2024 of $2,500. Are you looking to borrow over $5,000 with an online title loan? If your vehicle is valued at $10,000 or more and you can prove your income, you should have no problems qualifying.

Loan amounts for motorcycles are often less than those for cars or trucks and range from $500 to $5,000. Expect to borrow up to 40% of the value of your motorcycle, and some lenders offer even less than that.

Bad Credit Title Loans In Georgia

Bad credit will not disqualify you from getting a title loan. A title pawn is based on the car’s value, and you should have no trouble getting approved for a loan with a low FICO score. A loan underwriter will run a soft credit check, but most won’t check for missed loan payments. So, even someone with poor credit can still get approved.

Tips For Taking Out A Car Title Loan In Georgia

– Review the contract terms before signing anything. Some title lenders in Georgia have high interest rates, and monthly payments can add up quickly.

– Repay the loan immediately. This will save you money by paying less in interest, and most importantly, you’ll get the car’s title back just a few days after the loan is fully paid off.

– Determine how much you want to borrow and limit your loan amount to 40 – 60% of the vehicle’s value.

Car Title Loans In Georgia With Title Pawn Online

A loan against your vehicle equity can be an excellent option for anyone in Georgia who needs quick funds. You don’t need good credit; most people applying online can get their cash that same day, and we help people all the time in areas of Georgia from Savannah to Valdosta! You can borrow more money than you’d ever get from a local payday loan company, and we’ll do our best to get your loan funded in one business day or less!

Are you ready to get started with Title Pawn online? Please complete our online application to see how much money is available for your vehicle’s equity! Agents are standing by and will contact you a few minutes after you complete the form. You can also call us at 1-888-370-7473 to start your application over the phone.

Cities In GA:

• Athens
• Augusta
• Atlanta
• Columbus
• Roswell
• Savannah