selling a car in GA

Can You Sell Your Car In GA With A Title Pawn?

Many individuals want immediate cash for a car title but need help knowing where to begin. Whether you're comparing your title pawn vs. car selling options or looking for legal and safe ways to sell your car title, you can find answers with our helpful guide. 

You can take several steps to get the best offer for your car title, so keep reading to learn how to get emergency cash with a title pawn on your car today.

Can You Sell a Car Title For Cash In Georgia?

If you’re still repaying on your title pawn, you must pay it off in full before considering selling your wheels to someone else. But it’s not all bad. There are ways you could still let your car go for cash with very little toil and tussle.

But first things first – to sell the car you used to get a title pawn, you’ll need to do two things:

  1. Pay off your title pawn.
  2. Transfer your car’s title to the buyer.

How smoothly the selling process goes will depend on who you’re selling to and the lender holding your title. You must ensure that both parties are on board with the transaction.

Talk To Your Auto Title Pawn Lender

To get the ball rolling, you’ll first need to speak with your lender about your title pawn and determine how much you need to pay it off. Paying off your title pawn will remove the lien on your car, making it accessible for you to sell. You could also ask them how to sell the car since they hold the title. Because selling your car would lead to paying off the title pawn, the lender will likely be willing to help.

Car with chain and lock

Find Out The Title Pawn Payoff Amount

The first part is easy: find your title pawn's payoff amount. To clear your title, you’ll need to know the exact dollar amount that needs to be paid back to your title pawn lender. They’ll be happy to go over this information with you.

Ideally, you can pay off this amount before starting the car-selling process, but in all likelihood, you’ll need to at least sell your car for the amount owed on the title pawn to break even. If the vehicle holds enough value, however, you might be able to sell it for more and pocket the extra cash, which you could then put towards a new ride.

When you find the payoff amount, please ask your lender for this information in writing (also known as a payoff letter). The letter should include everything from the payoff amount to the payment instructions. It should even include a breakdown of charges so you can see what you’re paying for. Any pending changes to your payoff amount should be included as well.

Clear Your Auto Title Pawn

You need to pay off your title pawn before selling your wheels because you’ll need to hand over the title to the buyer. You won’t be able to complete the sale otherwise.

You must sign the back to somebody else to hand off the title correctly. This shows that you are transferring your ownership rights to the new buyer. In many states, the title alone gives the buyer everything needed to register the car in their name. This is because it includes the following:

  • The sale date
  • The purchase price
  • Signatures from both the buyer and seller

As you might have guessed by now, paying off your title pawn is crucial since you’ll need a lien-free title to sell your car. Most people will not buy a car from you if you can’t provide a clear title. Of course, some will be willing to work with you as long as you can assure them that the title will be cleared once the transaction has been completed.


person selling car within Georgia with title pawn to new owner

 How Can You Pay Off Your Vehicle Title Pawn?

If you have the means, the best way to sell your car with an open title pawn attached is to get rid of the title pawn first. In other words, fully pay off the title pawn before listing your car for sale. But chances are, the only reason you’re selling your car in the first place is because you can’t pay off the title pawn otherwise.

If this is your case, please let any potential buyers know your situation. It would be best if you also spoke with the title pawn lender. Keeping everyone in the loop will help make the car-selling process go as smoothly as possible.

But if you want to sell your car regardless, and to pay back the title pawn is just a bonus, you should try to do anything to pay off the title pawn before going any further. There are several ways you could approach this:

  • Sell your junk: These days, selling your hand-me-downs is easy. Handy apps like Let Go and Offer Up can help you turn your clutter into cash with minimal effort.
  • Ask friends or family: If you’re struggling to pay off the title pawn, ask your friends or family for help. You’d be surprised to see how many you have standing in your corner when you call for help.
  • Pick up a part-time job: There’s no shame in juggling two jobs. Most people work after hours to get by. If picking up a part-time job on the side means paying off your title pawn, it’s well worth it.
  • Odd jobs work, too: If a part-time job doesn't mesh with your schedule, you could always make extra money with these six side jobs. Anything from babysitting to Uber driving counts.
  • Raise the money: If you cannot find work and have limited options, you could always try raising the money. Start a GoFundMe page and ask for donations. There’s nothing wrong with raising the money as long as you’re transparent about what you’re raising it for.
  • Take out another loan: If you can get someone to co-sign on a loan with you, you may be better off doing so. Paying the title pawn off with another loan may sound crazy, but there’s a method behind the madness. The fact is that most traditional loans offer more extended repayment periods along with lower rates.
  • Dip into savings: If you already have a lot for retirement, it might not be the worst idea to consider using it now. You could always put the money back once your car is sold.

Getting An Auto Title Pawn In Georgia Today!

Whether you successfully paid off the title pawn, you’ll still want to get the most cash for your car. You wouldn’t want to sell your car for any less than it’s worth, right? Look to Kelley Blue Book to find your car’s current market value. Once you’ve done your research, go ahead and slap on a price and get ready to haggle. Most folks won’t offer you the asking price. For this reason, it may even be wise to start by asking for more than the market price.

Once you’ve attracted a potential buyer, be sure to fill them in on the title situation and do your best to assure them that the title will be cleared once the transaction ends. You can even take them over to the title pawn loan company if you have to. After the sale, you can use the money to pay off the title pawn loan, clear the car’s title, and then hand over the title to the new car owner. If you pocket a little extra cash after it’s all over, it’s a win-win!

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

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.