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If you need fast cash and own a vehicle, Georgia title loans can be a quick solution. You can borrow money using your car’s title as collateral. Title loans can provide extra money for those facing short term financial difficulties.2
Peach State pride! Georgia’s plates always include a peach, though earlier designs sometimes made it look like an onion!
In Georgia, car title loans are sometimes called title pawns. A Georgia title loan is a short-term loan that uses your car’s title as collateral. The amount you can borrow depends on your car’s value. The lender places a lien on your car’s title, meaning they hold legal claim to your vehicle until you repay the loan.
In this exchange, you provide your car title to the lender and receive the loan amount. You can still drive your car while repaying the loan; however, your car’s title stays with the lender. Repayment terms usually range from 30 days to a few months. If you fail to repay on time, the lender can repossess your car.4
In Georgia, you can borrow a percentage of your vehicle’s market value, typically between 25% and 50%. Loan amounts typically range from $100 to $50,000, depending on factors like the condition, make, model, and age of your car. The more valuable your vehicle, the higher the loan you may qualify for.
A title pawn is a great option for those with less-than-perfect credit. While there may be a credit check, your vehicle and income make it easier to qualify. Even if your credit isn't ideal, you can still access the money you need quickly and hassle-free.1 Following these easy steps you can get the money you need:
Provide your vehicle and contact details. You can apply online or over the phone.
Upload necessary documents like your car title, proof of income, and government-issued ID.
Once approved, you’ll receive funds quickly, often the same business day.
Getting started is easy! Before you do, make sure that you have the requirements needed so that you can have a smooth loan process and get the funds as soon as possible. Here’s what you’ll need to apply for a car title loan:
Take advantage of our fast approval process and access the money you need, even with less-than-perfect credit!1
As a Georgia resident, you don’t need to visit a physical store to get a Georgia title loan. You can start the process online from the comfort of your home. From there one of our representatives will quickly reach out to guide you through the process over the phone. They will verify some details and once approved they will go over your loan terms and the most convenient way to get the money to you. Usually direct deposit, check, or cash.2
*Disclaimer: 5 Star Car Title Loan’s title loan calculator can save you time and money in your loan process. It’s another tool provided in order to help our customers make the most informed decisions possible.
Failing to repay a title loan can have serious consequences. If you default, the lender can repossess your vehicle immediately without notice. After repossession, your lender will give you the opportunity to retrieve your vehicle by paying the loan amount, interest, fees, and any repossession costs. State law allows lenders to repossess and sell the vehicle if you default on the loan agreement.4
In some cases, if the vehicle is sold for more than what you owe, the lender retains the surplus amount. Additionally, borrowers are generally responsible for certain fees incurred during the repossession process, including storage and handling fees.
Lender Tip: Make payments on time to avoid repossession. If you're struggling, contact your lender early—they may offer extensions or alternative solutions to help you stay on track.
| Aspect | Details |
| Interest Rates | Title loans in Georgia can charge up to 25% monthly (300% annually) for the first three months, and 12.5% monthly (150% annually). |
| Repayment Terms | Typically range from 30 days to a few months. If you default on your loan agreement the lender can initiate repossession. Governed by Georgia Commercial Code (O.C.G.A. § 10-9-101 et seq.). |
| Regulatory Oversight | Title lenders in Georgia operate under the Georgia Pawnbroker Act (O.C.G.A. §§ 44-12-130 through 44-12-138). |
| Consumer Protections | Lenders must provide a written disclosure statement outlining loan terms, including the potential for repossession, but advocacy groups are pushing for stronger protections. |
| Alternatives | Alternatives include personal loans, credit union loans, and assistance from nonprofit organizations. These options typically offer more favorable terms. |
*Disclaimer: FDIC members banks may charge higher interest rates.
In Georgia, title loans provide a swift financial lifeline for those in urgent need of cash by leveraging the value of their vehicle's title as collateral. These loans are accessible even to individuals with bad credit, as the car's equity is the key factor in securing loan approval.1 Borrowers can access up to 50% of their car's value, with loan amounts ranging from $100 to a substantial $50,000. The process is made hassle-free with the convenience of online applications, ensuring rapid approval and often same-day funding.
However, it's crucial for borrowers to be mindful of the steep interest rates and the risk of repossession if repayment obligations are not met. For those exploring financial assistance, alternatives such as personal loans and credit union loans4 may offer more favorable terms and peace of mind.
Yes, title loans are typically repaid in monthly installments. However, title loans may not always be monthly payments, repayment structures can vary based on the loan agreement you set up with the lender.
The minimum credit score for a title loan is often not required, as many lenders focus on the vehicle's value and the borrower's income instead. This makes title loans accessible even to those with lower credit scores.1
No, title loans are easier to qualify for than traditional bank loans, especially since they are based on your car’s value, not your credit score.1
Yes, having valid insurance on the vehicle is typically a requirement for obtaining a title loan in Georgia, as it protects the lender’s investment in case of accidents. Some lenders may require proof of insurance as part of their risk management before approving a title loan. However, the amount you borrow may also play a role in whether or not you need to have insurance.
Borrowers usually regain possession of their title once the loan is fully repaid. In Georgia, once you pay off your title loan, the lender must electronically release the lien on your vehicle through the state’s Electronic Lien and Title system. This ensures that the lien is officially removed, and you can regain full ownership of your vehicle.
After the lien is released electronically by your lender, the Georgia Department of Revenue will process this release and then mail the title to you. It is essential to keep your mailing address updated with the Georgia Department of Revenue to ensure timely receipt of your vehicle’s title.
Written by
Bryan Solis
Bryan Solis brings over a decade of expertise in the lending industry, specializing in auto finance, personal loans, and car title loans, with experience in both prime and subprime lending. Leveraging his academic foundation in Business Administration, he has played a role in in the growth of start-ups as well as driving sustained success in established organizations. Currently serving as Head of Sales at 5 Star Loans, he has demonstrated exceptional skills in operational leadership and client relationship management, contributing to the company’s success.
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Applications submitted on this website may be originated by one of several lenders, including: 5 Star Loans, Inc., dba 5 Star Car Title Loans, a licensed lender in California; or one of our lending partners, including tribal lenders.
Loans originated by our lending partners will not be serviced by 5 Star Car Title Loans.
*Choosing a loan amount between $250 to $2000, will connect you to our lending partners who provide installment and payday loans.
Applicants must be at least 18 years of age (19 in Alabama). Loans not available in all states.
See State Disclosures for additional information.
1Approving loans depends on meeting the credit criteria of the lender, and may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc. This could also include offering certain assets as collateral. The actual loan amounts, terms and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer. 5 Star Car Title Loans® has no control over other lenders’ interest rates or payments.
Proceeds of the loan are meant to be mostly used for personal, household or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to pay the loan back.
2Filling in the application form can take five (5) minutes to finish. When completed, conditional approval could be given, even though review of documentation is pending. Final funding time begins from the time the request gets final approval after it has been received and reviewed, with all necessary documents, and signed before 2pm of your lender’s local time during a business day.
3Some lenders offer option to rescind. If the consumer chooses to exercise the right to rescind the application, the consumer(s) must send a written notification to the lender before midnight on the 3rd calendar day after receiving the loan. The consumer(s) needs to return all monies received and the fees paid on the consumer(s) behalf by certified funds within one business day.
4Car Title Loans are expensive, and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. We encourage and suggest that consumers pay often and early to avoid any additional finance charges.
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