Frequently Asked Questions
Who uses Atlanta Title Loans?
Our customers come from all walks of life and have many different needs. Business people, working parents, retirees, and many others choose Atlanta Title Loans when they need fast cash.
What is a title loan?
A title loan is a short-term loan that uses your free and clear vehicle title in place of your credit as collateral. You keep driving your car while you repay the loan.
What is required to get a title loan?
You will need your vehicle, a valid photo ID, proof of income, and a free and clear vehicle title in your name.
What if someone else's name is on the title?
All persons listed on the title must be present at the location and provide a valid photo ID to complete the transaction.
How do I know if my title is "free and clear"?
A free and clear title will show "No Liens" or will not have a lienholder listed on it. If you are unsure, bring your title to a Atlanta Title Loans location and we will review it for you.
How much can I borrow?
Loan amounts are based on the value of your vehicle and your ability to repay the loan. Amounts typically range from $100 to $10,000.
How does the process work?
The process is fast and simple. Just visit your nearby Atlanta Title Loans location with your vehicle, title, photo ID, and proof of income. Our team will evaluate your vehicle and walk you through every step.
How long does the approval process take?
Our approval process averages only 20 minutes. In most cases, you can walk out with cash in hand the same day.
Is there a maximum loan amount?
The maximum loan amount is $10,000 in most states. Some states may have a lower maximum based on local regulations.
Is my personal information safe?
Absolutely. Physical documents are stored in a fireproof safe, and digital records are kept on encrypted servers. Atlanta Title Loans has never experienced a data breach since our founding in 1990.
Can self-employed people get title loans?
Yes. Many of our clients are self-employed. As long as you can provide proof of income, you are welcome to get started.
Can I get a title loan if I'm unemployed?
Yes. Federal law prohibits discrimination based on the source of income. If you receive regular income from any source, you may qualify for a title loan.
I have a low credit score. Does this matter?
No. Atlanta Title Loans makes loans to customers with all credit scores and credit profiles. Your vehicle title is your credit with us.
If I do not pay, will my car be repossessed?
Vehicle repossessions are uncommon, but they can occur if the loan goes unpaid. Our team will work with you to find a solution before that happens.
Is there a prepayment penalty?
No. There are no prepayment penalties at Atlanta Title Loans. You may pay off your loan early at any time without additional fees.
How can I make loan payments?
You can make payments using cash, debit card, money orders, cashier's checks, or Western Union at any Atlanta Title Loans location.
Is there a Atlanta Title Loans near me?
Most likely! Call us at 877-511-2274 or visit our locations page to find the Atlanta Title Loans nearest to you.