How Title Loans Work in Georgia

Title loans allow borrowers to use their vehicle title as collateral for a cash loan and have benefits like no credit checks and quick approval. The lender holds on to the title until you repay the loan and then returns it to you. Georgia Title Loans is a locally owned lender and can provide the cash you need to cover unexpected expenses or emergencies. Here’s how getting a loan using your car’s title works in Georgia:

1. Find a Reputable Lender

The first step in getting a loan using your vehicle’s title is finding a lender whose terms work for you. Look for a lender that is transparent about their fees and interest rates. At Georgia Title Loans, we offer competitive interest rates and do not require you to purchase extra services like roadside assistance. We accept most vehicles regardless of their make, model, year, mileage, and condition.

2. Apply for a Loan

To apply for a loan, you can visit one of our locations or complete the form on our website. The process is generally quick and easy, requiring basic information like your name, phone number, and vehicle details. The state of Georgia requires applicants to be 18 years of age or older with a valid state driver’s license. You will also need to present your vehicle and its clear title. This allows us to conduct a brief vehicle appraisal to determine the loan amount we can offer you.

3. Get Approved and Receive Your Cash

One benefit of applying for a title loan is that credit checks are not usually required for approval. This may make the process faster and more convenient for applicants with a low or nonexistent credit score. Once your loan is approved, we can discuss the loan terms with you and have you sign a contract. The contract outlines the loan amount, interest rate, repayment schedule, and other details. Our process typically takes 30 minutes or less and may allow you to leave with the cash the same day.

4. Repay Your Loan While Still Using Your Vehicle

With Georgia Title Loans, you can continue driving your vehicle while repaying the loan. This allows you to meet your other obligations without worrying about transportation. While the length of a car loan originates at 30 days, we allow you to have it for as long or as little as you need. You can keep renewing or extending your loan month after month as long as you pay the minimum amount due. We accept cash, cashier’s checks, money orders, and deposits to our bank accounts as valid payment methods.

5. Receive Your Vehicle’s Title After Repayment

Once you repay your loan, we can return your vehicle’s title. We may return the title the same day you repay your loan or as soon as we receive it from the DMV. You can apply for another loan with us anytime you need cash. We also have a referral program, allowing you to earn up to $100 if you refer a new loan applicant to us and they get approved.

Apply for a Title Loan in Georgia Today

Car loans can help individuals cover their unexpected expenses or financial emergencies. The loan process is typically quick and straightforward, completed without credit checks and allowing you to receive your cash upon approval. When applying for a title loan in Georgia, make sure you also meet the state age and documentation requirements. Submit your loan application at Georgia Title Loans today to get the cash you need.