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Georgia Title Pawn FAQ

What is a title pawn or title loan? 

Funny you should ask, because more than 25 years ago, we originated the concept of a title pawn. A title loan is a way for an individual with a clear title to obtain cash quickly to manage short-term cash flow problems. Rather than having to sell their car, our customers can use the equity they have to take advantage of their asset, while continuing to drive it. In other words, we hold the title of your car in exchange for cash. When you pay back the loan, you get your title back. Click here to learn more.

How much cash can I get with a title loan?

The amount of money you can get with a title loan is based on our appraisal of the vehicle and the customer’s ability to repay. Cash advance amounts range from $100 on up.

How do I know if I will be approved for cash?

If you have a free and clear title in your name, you can be approved. The expert staff at Title Exchange will evaluate your vehicle and application and let you know in about 15 minutes how much cash is available to you.

Does the car title have to be in my name to get a title pawn?

Yes. The car title must have you listed as the legal owner of the car you intend to use as collateral for a title pawn. If you are listed on the title along with another person, then the other person listed on the title must be present and willing to accept the terms of the title pawn transaction.

How long does it take for me to get a title loan?

Title loans can be processed much more quickly than a traditional bank loan. This is advantageous for individuals who have good credit but don't have the time to wait on a traditional loan. If you have all of the items required to complete a transaction with you when you come into one of our Georgia Title Pawn locations, the whole process from application to cash in your hands generally takes about 30 minutes.

What do I need to bring in?

We strive to keep the process of obtaining a GA title loan as simple as possible. Please bring the following:
  • Vehicle for Inspection
  • The Georgia Title in Your Name
  • Spare Key
  • Current Tag on Car
  • Current ID: Driver's License or State ID

What if I have bad credit?

A Title Exchange title pawn is ideal for people with bad credit. In fact, your credit history is not a factor in the title transaction approval process. Your credit will not be affected by applying for a title transaction or after getting a cash advance. Title Exchange is available to help you with your short-term cash needs regardless of your credit history.

How do I get my title back if I get a title pawn?

At Title Exchange, your title is your pledge that you will repay the loan, hence the term "title loan." Once you pay the full amount due on your account, your title will be returned to you immediately. We want you to achieve this sooner rather than later, saving yourself time and money with a quick payoff.