Best Title Loan Companies in Georgia

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Author : Chris Morgan
Updated on : January 8th, 2023

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The southern state of Georgia is known for its southern hospitality, and a number of tourist spots such as Stone Mountain and the little-known Cumberland Island which is inhabited by wild horses. Juicy peaches, delectable pecans and some of the sweetest vidalia onions in the world make Georgia home to exceptional vegetables and produce. In fact, Georgia is referred to as the Empire State of the South which is understandable given its tremendous economic growth and outlook. According to Rich States, Poor States, Georgia ranks 15th in the United States for its total economic outlook and ninth in the United States for economic performance. 

But, it is the exceptional cost of living that makes Georgia a highly coveted state. states that the average cost of living in Georgia is $1880 per month which places Georgia as the 27th most expensive state and the 33rd best state to settle down due to the affordable cost of living. 

Despite the affordable cost of living in Georgia, emergencies happen that require the need for additional funds at a moment’s notice. It is for this reason, access to title loans is important particularly for those with less than stellar credit.

Are Title Loans Legal in Georgia?

According to the Consumer Protection Division, title loans are legal in Georgia. The law that governs title loans in Georgia allows small consumer loans such as title loans for consumers. Title loans are offered at interest rates of 60% to 300% per year. 

Due to the variance in interest rates on title loans, you are advised to borrow responsibly as your car is used as collateral to secure the title loan and obtain immediate cash funds. If the title loan is not repaid, your car can be repossessed to repay the title loan.

How Does Title Pawn Work in Georgia?

Obtaining title loans in Georgia is not difficult, but it does require preparation. Being prepared expedites the title loan process. The following are tips to help you prepare to obtain a title loan in Georgia.

  1. Choose A Title Loan Company - It is important to choose a quality title loan company. Take the time to research the available title companies in Georgia to determine which ones offer the best terms and rates. 
  2. Prepare & Organize Documents - All title companies require specific documentation in order to process the title loan. Having this information readily available prior to starting the title loan application can assist in expediting the title loan process. The required information to process a title loan includes proof of income, car title, and valid government-issued identification. 
  3. Complete Title Loan Application - The title loan application can be completed online or in person depending on the title loan company. It is important to complete the application  thoroughly and accurately. 
  4. Acceptance of Title Loan - If approved, the customer must review the provided loan terms which includes the interest rate, duration of the loan, monthly payment terms, and repayment terms. If the customer decides to accept the loan, the title loan contract is signed, and the funds are provided to the customer via the chosen method (direct deposit, cash in hand, funds loaded on a prepaid debit card, etc.).

Taking the time to prepare for the application process will ensure that you receive a title loan approval expeditiously.

Best Instant Title Loans In Georgia

To help you obtain the title loan you desire, we have compiled a list of the best title loan companies in Georgia. Starting off the list are two companies that offer online title loan services for your convenience. Some people prefer to go through the loan process from their own home. In that case, clicking a link and filling out a form will get things moving in the right direction.

Max Cash Title Loans

Max Cash Title Loans Logo

Max Cash Title Loans is our number one recommendation for title loans. Max Cash has been a premier provider of online loan products since 2008. They have served over one million customers and have cemented themselves as valuable resource for loan services throughout the United States.

Due to the online platform, Max Cash Title Loans makes it easy to obtain a loan that you desire. What makes this particular company different is that they are a loan broker providing a platform for multiple lenders to showcase their loan services. Customers are able to easily assess loan products and services through an online application. Once the application is submitted, it is processed to help locate the best loan for the customer’s needs.

All services and products offered by Max Cash Title Loans are free of charge to the customer. Both title loans and title loan refinancing are available. 

Here are some reasons why Max Cash Title Loans is a preferred option for title loans:

  • Exceptional customer service
  • Transparency of rates and services
  • Easy online application
  • An expansive network of loan lenders

For more information about the title loans offered via Max Cash, check out our Max Cash review.


LoanMart Logo

Another option for online title loans is LoanMart. This company has funded over 250,000 title loans since 2002. What makes LoanMart different from Max Cash is that it is a title loan lender. Customers interested in obtaining a loan from LoanMart will receive their loan funds directly from the company. By removing the middleman, customers are able to receive their title loan funds faster.

Another benefit of obtaining a title loan through LoanMart is the “Three Day Peace of Mind Guarantee.” This allows customers a grace period of three days to opt out of the loan contract without incurring fees.

LoanMart is a preferred option for a title loan because of :

  • Competitive loan rates
  • Quick receipt of loan funds
  • Several loan options available
  • Valuable financial education resources
  • Three day peace of mind guarantee

Our LoanMart Review provides more details on the products and services provided by this company.

Top 5 Local Georgia Title Loan Companies

While Max Cash and LoanMart are reputable providers of online title loan services, some people may want to obtain a title loan in person. The following are five brick-and-mortar providers of title loan services in Atlanta, Georgia.

TitleMax Title Pawns

TitleMax Logo

TitleMax Title Pawns offers both vehicle and motorcycle title loans through a quick application process. With both of these title loans, you use your vehicle or motorcycle as collateral in order to obtain quick cash funds on a short notice. What’s best about these title loans is that all credit ratings are accepted, and you’ll be able to keep your car or motorcycle while you pay off the title loan. 

TitleMax Title Pawns offers quick approvals for its title loans with same day cash availability. In order to receive a title loan, customers must have a valid government issued identification, proof of income, and a clear vehicle/motorcycle title.

Contact Information:

  • Address: 1820 Metropolitan Parkway, Atlanta, GA 30315
  • Phone: (404) 758-2405

LoanCenter Title Loans at Rumba Money Centers

Loan Center Logo

LoanCenter Title Loans at Rumba Money Centers works to help individuals obtain the title loans they desire throughout Georgia. Because credit is not needed for title loans, this company is able to offer customers access to potentially thousands of dollars via a quick application process with receipt of loan funds the same day of application approval. 

One of the major benefits of receiving title loans from LoanCenter Title Loans is that individuals can rebuild their credit by making on-time title loan payments which are reported to the major credit bureaus.

Contact Information:

  • Address: 2179 Cheshire Bridge Road, Atlanta, GA, 30324
  • Phone: 404-905-3621

TitleBucks Title Loans

TitleBucks Logo

TitleBucks Title Loans offers title loan services and 60 locations throughout the United States. With this company, your car is your credit as it is used as collateral in order to obtain a title loan. The amount of the title loan is based on the value of the vehicle used as collateral. In some cases, individuals may be able to get up to $10,000 in fast cash for their title loan. 

Individuals who are interested in obtaining a title through TitleBucks Title Loans can apply for a title loan at one of the brick-and-mortar locations in Georgia. To expedite the title loan process, applicants are encouraged to have a government issued ID as well as a car title readily available.

Contact Information:

  • Address: 3819 Jonesboro Rd # B, Atlanta, GA 30354
  • Phone: (404) 361-0681

Georgia Auto Pawn, Inc.

Georgia Auto Pawn Logo

Georgia Auto Pawn, Inc. offers same day title loans of up to $15,000 in Atlanta, Georgia. The application process for a title loan is initially completed online by filling out a simple application. Once the application is completed, a store associate will contact the applicant via the telephone number provided on the application to expedite the title loan process.

In order to be considered for a title loan via Georgia Auto Pawn, Inc. applicants will need to provide a valid state issued identification or driver’s license, a lien free vehicle title, and complete a thorough vehicle inspection.

Contact Information:

  • Address: 4220 Fulton Industrial Blvd SW, Atlanta, GA 30336
  • Phone: (404) 696-1885

Atlanta Title Loans

Atlanta Title Loans Logo

For more than 25 years, Atlanta Title Loans has provided a variety of financial service products in the greater Atlanta area. The company is dedicated to providing straightforward loan services and products via a hassle-free process with transparent loan terms and conditions. The application process is quick and simple offering applicants the opportunity to obtain up to $10,000 in title loan funds. 

Atlanta Title Loans offers instant on-site approvals for title loans usually in 20 minutes or less. The customers will use their vehicle as collateral by providing their vehicle title during the application process. Customers get to keep their vehicles while they pay off the title loan, and the vehicle title is returned when the final title loan payment is complete.

Contact Information:

  • Address: 5349 Riverdale Rd, College Park, GA 30349
  • Phone: (770) 907-4944

Do Title Loans Hurt Your Credit?

One of the many benefits of title loans is that credit is not needed to secure loan funds as your vehicle is used as collateral to determine the loan amount as well as to secure the title loan. This makes title loans a viable option for people who have poor or limited credit. While title loans do not require a credit check, they can have a positive or adverse effect on your credit rating depending on your repayment of the title loan.

If you’re looking to obtain a title loan and are also interested in improving your credit, check out our post on How Do Credit Repair Companies Help for more details on how to take charge of your credit rating.

What Are The Disadvantages of a Title Loan?

Title loans can be a convenience for those who are in need of cash assistance on a short-term basis particularly for those who do not have the best credit history. However, it is important to note some of the disadvantages of title loans for clarity. Because title loans do not require a credit check, the interest rates for such loans are usually quite high.

The Consumer Financial Protection Bureau (CFPB) reports Georgia is one of the 16 states that offers title loan services with triple digit interest rates. Those interested in obtaining a title loan are advised to consider the interest rates as well as the impact of using a vehicle for collateral. If you need money quickly and intend to pay it back quickly, then a title loan makes sense.

How Much Can You Get From a Title Loan in Georgia?

The amount of a title loan offered in Georgia is dependent upon the value of the vehicle used for collateral. In many cases, you could receive from as low as $100 to a maximum of $15,000 against the value of the vehicle. This roughly equates to about 25% to 50% of the vehicle’s value. In Georgia, it is possible to obtain multiple title loans by using multiple vehicles as collateral for separate title loans. It is important to note, that the vehicles used for collateral must be lien-free and fully owned by the title loan applicant.

Our post on The Best Title Loan Companies in the United States offers more details on the title loan process and whether title loans are a viable short term cash option for you.

How Do I Get Out Of A Title Loan in Georgia?

If you are looking for a way to get out of your title loan obtained in Georgia, the best way to do this would be to pay off the title loan in full based on the repayment terms of your title loan contract. According to the 2010 Georgia Code 44-14-403, title loan repayments have a 30-day grace period with the option to extend the repayment terms on 30-day intervals. However, interest rates and charges obtained through securing a title loan cannot be circumvented and must be paid to satisfy the title loan in full.

If you cannot repay the title loan, default is an option, which allows the title loan company to repossess your vehicle. Lenders, however, would prefer that you pay off the loan and not default. So, be sure to communicate your situation and ask for a grace period or a reduction in payments. As long as you show a desire to pay back the loan, the vast majority of lenders will work with you.

Conclusion and Next Steps

If you are ready to obtain a title loan in Georgia, you can rest assured that our list of title loan companies have been thoroughly researched and vetted to ensure legitimacy.

Get started on your title loan application by visiting our recommended title loan lender, Max Cash. As an online loan broker, they will easily connect you to several title loan lenders in Georgia offering competitive terms and rates with a simple online application.

If you need cash fast, get in touch with

Max Cash.

Max Cash Title Loans Logo

When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.

About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

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