Make Your Car Work for You in Georgia

Here in the heart of the Peach State, your vehicle can assist you in securing the financial help you need! At LoanCenter, we leverage your car as collateral to secure a loan. But don’t worry, even though your car serves as security, you still get to keep the keys and use your vehicle, as long as you keep up with your monthly payments. What’s more, regular on-time payments can potentially boost your credit score.

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Understanding How Georgia Title Loans Function

Traditional credit checks aren’t the exclusive determinants in assessing eligibility, making title loans an excellent choice for borrowers with low credit scores in Georgia. If you own a vehicle, have a dependable income, and can demonstrate your repayment ability, you could be qualified for a car title loan.

Here’s how it works:

Your vehicle’s value is pivotal in calculating the loan amount you can borrow.

We use your vehicle as collateral to secure your loan.

While your car secures the loan, you continue using it, which could, in turn, improve your credit score.

What Is a Car Title Loan?

Insights into Car Title Loan

Generally, loans have a standard operational model. A lender evaluates your credit score, fiscal history, existing liabilities, and employment track record to discern if you would be a trustworthy borrower. Upon approval, the lender lends money for specific purposes. Car title loans, colloquially known as auto title loans, function slightly differently. Once approved, a car title loan, like those facilitated by us here in Georgia, offer you the cash to use at your discretion. Your vehicle’s value is a crucial aspect in determining the loan amount you could borrow, rather than relying solely on your financial history.

Benefits of a LoanCenter Title Loan

Advantages of a LoanCenter Title Loan in Georgia

In LoanCenter Georgia, we strive to ensure a holistic evaluation of borrowers, extending loans to people with good and less than perfect credit records. Since your vehicle secures the title loans, the qualification process becomes straightforward!

  • Our application process is quick and straightforward, and you could get your money swiftly.
  • We offer competitive rates for car title loans, frequently lower than what our competitors can provide.
  • Whenever you are faced with financial hardship or if you need some spare cash, Loan Center Georgia is your trusted source for the financing you require.

Reach out to us today and learn how we can assist you. We strive to provide superior rates and secure you the cash you need. Let us help you make your vehicle work for you in Georgia.

Our Auto Loan Process

You may be eligible to borrow money against the equity in your car. With a car title loan, you can borrow cash by applying for a title loan. If you accept your loan offer, you will be approved for a title loan. Finding out how much you qualify for is fast, easy, and free! Find out how much you can borrow by submitting your loan application.


Get Pre-Qualified

Fill out the form or call us at (866) 553-3840


See Your Offers

Let one of our LoanCenter Loan Officers show you how much you qualify for.


Submit Docs

Submit all your documents and finalize your loan paperwork


Get Your Cash!

Receive your cash—it’s
really that easy!

Tips for Swift Approval in Georgia

To enhance your chances of getting approved quickly:

  • Ensure the loan documents regarding your vehicle are as precise as possible.
  • Submit all the requested documentation with your application.
  • Generally, you will be asked to provide proof of identity, your vehicle’s title, and proof of ability to pay.

Once your information is received, one of our amiable loan officers will get in touch with you. Alternatively, you can contact us toll-free at (866) 553-3840. Whichever route you choose, we are here to assist you!

If you are pleased with the loan amount you can borrow and wish to proceed with the car title loan application, our loan officer will assist you with the remainder of the requisite paperwork. We recommend discussing with a LoanCenter representative to understand the documents needed to submit. Start collecting these documents now to ensure a smooth application process. Our team can review and make a credit decision on your application for a car title loan as expeditiously as possible.

If you want to find the LoanCenter closest to you, try using our Licensed Partner Locations tool today.


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What to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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Georgia Loan FAQs

What are Georgia Title Loans?

Georgia Title Loans are short-term loans that use your vehicle’s title as collateral. Borrowers allow the lender to place a lien on their car title in exchange for a loan amount.

How do title loans work in Georgia?

In Georgia, you apply for the loan, providing the lender with your vehicle title. If approved, the lender will lend a certain amount based on your vehicle’s value. You’ll need to repay the loan to reclaim your title.

Can I get a title loan online in Georgia?

Yes, many lenders in Georgia offer online applications for title loans, making the process more convenient.

What is the maximum amount for a title loan in Georgia?

The maximum amount for a title loan in Georgia varies depending on the lender and the value of the vehicle. There’s no state-imposed maximum limit.

Do I need good credit for a title loan in Georgia?

No. Title loans are typically made without considering the borrower’s credit score since the loan is secured against the borrower’s vehicle.

Can I get a title loan in Georgia without a job?

Yes, as long as you have a source of income (such as unemployment, disability, or retirement), you can still qualify for a title loan.

What happens if I can’t repay my title loan in Georgia?

If you can’t repay your loan, the lender has the right to repossess your vehicle to cover the remaining balance.

Are title loans legal in Georgia?

Yes, title loans are legal in Georgia, but they are governed by certain laws to protect consumers.

Can I extend or roll over my title loan in Georgia?

Yes, some lenders offer loan extensions or roll-overs, but additional fees may apply.

How quickly can I get a title loan in Georgia?

Depending on the lender, you could get a title loan the same day you apply.

Can I qualify for a title loan with an old vehicle?

Yes. The value of the loan primarily depends on the value of your vehicle, regardless of its age.

Can I get a title loan in Georgia with a lien on my car?

No, typically lenders require that the vehicle is owned outright by the borrower.

What are the interest rates for title loans in Georgia?

Interest rates vary by lender. In Georgia, there is no cap on interest rates for title loans.

How many title loans can I have in Georgia?

Typically, you can only have one title loan at a time per vehicle in Georgia.

How can I find a reputable title loan lender in Georgia?

Research online reviews and check with local consumer protection agencies and the Better Business Bureau to find reputable lenders.

Can I get a title loan without the car present?

Typically, lenders require a vehicle inspection before approving a title loan.

Do I need full insurance to get a title loan in Georgia?

Yes, most lenders require proof of full coverage auto insurance for title loans.

Can I pay off my title loan early in Georgia?

Yes, most lenders accept early payments without prepayment penalties.

How do I get my title back after paying off the loan in Georgia?

Once the loan is paid off, the lender will release the lien on your vehicle, and your title will be returned or released to you.

Can I keep driving my car while I have a title loan?

Yes, typically you can continue to use your car as usual while you repay the title loan.


What is a car title loan?

A car title loan is a personal loan that is secured by the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay, making your credit score a less important factor. The borrower gets to keep driving the car while the loan is outstanding.

What do I need in order to get approved for a car title loan?

The amount you are approved for will depend on several factors, including:

  • Your Car’s Value
  • State Laws
  • Your Income
  • Type of Vehicle

How much does my car have to be worth?

In general, the car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Can I get a car title loan if someone else’s name is on the title with mine?

Yes. We can offer a loan if more than one name is on the vehicle’s title.

Can I get a car title loan if I cannot find the title to my car?

Yes. We may offer a loan if you have lost or misplaced the vehicle’s title.

Do I get to drive my car while the loan is outstanding?

Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

What is the cost of my credit going to be?

The interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and the terms agreed to. The annual interest rates vary between 34.99% and 157.99%. For a typical loan of $4,000 with an 80% annual percentage rate and a 24-month term, the monthly payment is $338.61, the total scheduled interest is $4,126.87, and the total of payments is $8,126.64. The interest on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see our Missouri Fee Schedule .

Is it possible to have a co-signer on my car title loan?

Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

For more questions and answers, head to our Frequently Asked Questions page.

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