Many people use title pawns to get money for any financial emergency. You can borrow up to $15,000—which is much higher than you can get from other personal loans—and get approval within the same day.

However, title pawn laws vary from state to state. You may be asking the following questions: Can I pawn my car in Columbus and how much will I be able to borrow? What are the GA requirements for approval? What is the easiest and fastest way to get title pawns in GA?

Get the answers in this simple guide to getting GA title pawns.

Everything You Need To Know To Pawn Your Car In Columbus, GA

What Are Title Pawns?

If you are wanting to pawn your car in Columbus, GA, it's important to be clear on what a title pawn is. Title pawns are personal loans where you use a vehicle title as collateral for a loan. “Collateral” simply means that you are using the property as a guarantee that you will pay back the money on time. Outside of GA, it is called a title loan.

Any loan that uses collateral is called a “secured loan.” This is in contrast with an unsecured loan, where approval is based on credit history, income, assets, or other financial documents that prove your creditworthiness.

Secured loans like title pawns have fewer requirements and can be processed very quickly. Georgia Auto Pawn, Inc.—one of the most trusted lenders in GA—can even give approval and payout on the same day.

What Are The GA Requirements For A Title Pawn?

In order to use any property as collateral, you have to prove that you are the legal owner. So, you have to show a vehicle title under you, and present a valid state-issued ID. If it is co-owned, or still registered under somebody else, you need to go to any GA County Tag office.

The title must also be lien-free, which means that no other person or organization has any legal claims or judgments against it. Because of this, you must have a vehicle that is fully owned. If you are still paying off your car loan, the bank or any in-house lender still has a lien placed on it.

Can I Still Use My Car?

Yes. When you pawn your vehicle, you’re not leaving it behind with the lender. You just sign a loan agreement, and the lender places a lien or legal claim on your car title. Once you finish making all the payments, the lien is removed.

What impact does the lien have on your daily routine? Almost none. You can keep using the car just like you always have, but you can’t sell it or use it to take out another loan.

How Can I Pawn My Car In Columbus?

Getting a title pawn is really fast and simple. In fact, you can start applying right now.

First, speak to one of our store representatives. You can either search through our store directory and then call your preferred branch directly or send the online form to request a call.

Then, a store representative will personally attend to you to explain more about how the loan works and what kind of requirements you must show. You can also ask questions any time during the call.

The next step is to show the requirements (the vehicle title and valid government ID with a photo) and get a vehicle inspection. You can go to any of our branches in GA or ask for someone to meet you somewhere else. We can come to you!

The verification of documents and the vehicle inspection don’t take a lot of time. In fact, most people are done in less than half an hour! The store representative will also explain the approval process even further, and the loan limit that you can get for your particular vehicle.

How Much Can I Borrow With Title Pawns GA?

Under GA law, you can borrow a maximum of $15,000. However, your personal loan limit is calculated based on your vehicle’s market value. That includes its model, age, mileage, and condition of both its exteriors and interiors. Our representative will inspect your vehicle, and only then will we know the loan amount we can offer you.

How Long Does It Take For Me To Get The Money?

With an efficient, experienced GA lender like Georgia Auto Pawn, Inc., you get your emergency money on the same day you apply or the following business day!

We know that your financial needs may be urgent, so we release the cash as soon as the loan is approved. If the loan was approved after the cut-off time, we will release it the next business day. There are no delays!

However, there are unscrupulous lenders who will collect processing fees and then delay your payout. That’s why it's important to work with a registered, trusted company like Georgia Auto Pawn, Inc.

Fill Out Our Online Form!

Now you know how to pawn your car in Columbus, GA. If you meet the requirements listed above and are facing an emergency in which you require some fast cash, a Georgia title pawn may be just the solution! Our store representatives are waiting to help. Just fill out our online form, and we’ll personally guide you through your title pawn process.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.