Car title loans in Georgia
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Georgia title loan rules at a glance
| Governing law | Georgia pawnbroker law, O.C.G.A. ss. 44-12-130 to 44-12-138, which covers pawn and title pawn transactions. (O.C.G.A. s. 44-12-131) |
|---|---|
| Rate / fee cap | Interest plus pawnshop charges may not exceed 25% of the principal per 30-day period for the first 90 days (minimum charge up to $10), then 12.5% per 30-day period after that (minimum up to $5). Limited extra fees are allowed for vehicles: lien registration at cost, storage up to $5 a day after a repossession, and a repossession fee starting at $50. (O.C.G.A. s. 44-12-131(a)(4)) |
| Maximum term | Each pawn runs for a 30-day period, and may be extended or continued for more 30-day periods. (O.C.G.A. s. 44-12-131(a)(1)) |
| Renewals | Allowed in additional 30-day periods; after the first 90 days the charge cap drops to 12.5% per period. (O.C.G.A. s. 44-12-131(a)(1), (a)(4)) |
| Repossession notice / right to cure | On default the pawnbroker may take the vehicle without going to court if it can do so without a breach of the peace, or by court action. (O.C.G.A. s. 44-12-131(a)(3)) |
Title loans online in Georgia
You can start a Georgia title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Alabama | Legal | — |
| Florida | Legal | — |
| North Carolina | Not available | — |
| South Carolina | Legal | A short-term vehicle secured loan may not exceed the car's fair market retail value under common industry appraisal… |
| Tennessee | Legal | No more than $2,500, counting other outstanding title pledge loans with the same lender on the same title. |
Title Loans by city in Georgia
Counties in Georgia
Show all 159 counties
Also see: Payday Loans in Georgia · Personal Loans in Georgia · All Georgia loan options
Frequently asked questions
Are title loans legal in Georgia?
Car title loans in Georgia are made as 'title pawns' under the state's pawnshop law, not under a consumer loan law. They run in 30-day periods and can cost up to 25% of the principal per 30 days for the first 90 days.
What interest can title lenders charge in Georgia?
Interest plus pawnshop charges may not exceed 25% of the principal per 30-day period for the first 90 days (minimum charge up to $10), then 12.5% per 30-day period after that (minimum up to $5). Limited extra fees are allowed for vehicles: lien registration at cost, storage up to $5 a day after a repossession, and a repossession fee starting at $50.
When can a title lender repossess my car in Georgia?
On default the pawnbroker may take the vehicle without going to court if it can do so without a breach of the peace, or by court action.
Can I get a title loan on a financed car in Georgia?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Georgia will tell you what they can offer.
Can I get a title loan online in Georgia?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Georgia title loan request in about 3 minutes.
What do I need for a title loan in Georgia?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Georgia, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.
How much can I get for a title loan in Georgia?
The amount depends mainly on your vehicle's value, along with your income and Georgia rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.