How Easy Is It to Get Title Loans in Columbus, GA?

July 23, 2021 | Louis Tully

got a title loan in columbus ga

Title pawns, also known as title loans, are known to be one of the most accessible loan types out there. If you choose your vendor correctly, you could get the cash you need on the same day you apply for it.

But what does it take to get approved, how long does the process lasts on average, and are you even eligible?

Let’s break it down below.

All You Should Know about Getting Title Loans in Columbus, GA

1. You Can Get Title Loans in Columbus, GA in Less Than a Day

Typically, the application process for a title pawn takes less than a day.

You will need only a few minutes to submit an online form to start the process, and then a few more to talk the details over with the loan representative when they get in touch with you.

After that, you will have to pay a short in-person visit to the store so that an associate of hours can inspect your car and determine the maximum amount you qualify for. This process typically takes between 30 to 60 minutes, excluding the time spent on the commute to and back from the store.

2. Title Loans in Columbus, GA Have Minimal Requirements

To be eligible for title loans in Columbus, GA, at the minimum you need to be over 18 years old and outright own your car (this means the title must be in your name and without any outstanding judgments or loans against it.

Other than that, each lender has their own unique qualifying requirements which you’ll need to learn about before getting started with your application.

Here’s what you’ll need to provide to apply for title loans in Columbus, GA:

  • A driver’s license or state-issued photo ID to verify your age;
  • Your vehicle for inspection;
  • Your vehicle’s lien-free title in your name to act as collateral.

3. You Have Chances to Be Approved Even If Your Credit Is Bad

Georgia Auto Pawns, Inc. is open to all potential borrowers, regardless of what their credit looks like.

While there may be a soft credit check if you’re applying for a larger loan amount, the results are likely to have little influence, as long as your required items satisfy the company’s standards. If they do, you’re likely to get approved even if you have bad credit, or your credit is nonexistent altogether.

4. Your Income Doesn’t Matter

As title loans are secured by collateral you provide (the car title), the qualifying requirements tend to be flexible and accommodating, since the lender’s risks are reduced from the get-go.

This means you have a good chance of getting approved for title loans in Columbus, GA even if you have unstable income, you’re unemployed, or only starting a new job and are unable to provide proof of income. The chances are you won’t be asked to provide proof of income in the first place.

happy with title pawn cash

5. You Get to Keep Your Vehicle

Georgia Auto Pawns, Inc. you’re putting up the car title as collateral, not the car itself. This means it’s the title that stays with the lender while you’re paying off the loan. The car stays with you as long as you keep making the payments according to the schedule.

How to Get Title Pawns in Columbus, GA

You get in touch with our Columbus, GA branch by either submitting an inquiry form on the website or calling them directly at 706-324-7999.

The loan representative you’ll be working with over the phone will explain how the process goes and set up an appointment with an associate for you.

You’ll need to drive your car (along with the ID and lien-free car title) to the meeting so that the associate can inspect everything and determine if you qualify.

If they decide you do, they’ll explain the process once again, answer your questions, and help you with the final procedural steps.

The entire application and approval process typically takes less than an hour.

Get Your Title Pawn in Columbus, GA Today!

As you can see, title pawning works really fast and easy with Georgia Auto Pawn, Inc. And if you live in Columbus, GA, you can stop by our Columbus location any time to get up to $15,000 same day cash if you qualify. Otherwise, submit an online inquiry form on our website to get the process started from the comfort of your own home.