How a title pawn works
A vehicle title pawn is simple and fast. You're borrowing money using your vehicle as collateral — and we'll answer every question so you leave confident you have all the facts.
What do I need to bring?
Gather these before you come in and you'll be out the door faster.
You & your vehicle
Bring the car, truck or motorcycle you're pawning so we can appraise it.
Your title
In your name and lien free.
Driver's license or government ID
Any valid government-issued photo ID.
Proof of residence
A recent utility bill or similar dated within 30 days.
Proof of income
A check stub dated within 30 days.
Self-employed? No problem
Bring bank statements showing deposits to your account.
Your visit, step by step
We help with the application
No confusing forms — we'll fill it out together.
Free, prompt appraisal
We appraise your vehicle to determine its value. No credit check, so most customers are approved for some amount.
We review the contract with you
We discuss your needs, go over the contract carefully, and answer every question before you sign.
Frequently asked questions
Can I keep driving my car during a title pawn?
Yes. When you're approved, you drive away in your own car, truck or motorcycle. We hold the title as collateral — you keep using your vehicle the whole time.
Do you check my credit?
No. There is no credit check. Your loan amount is based on the value of your vehicle and your ability to repay, so most customers are approved for some amount.
How much can I borrow?
Up to $10,000, depending on the appraised value of your vehicle. Because of where our location is, we can lend more than many title lenders that are capped at $2,500.
I already have a title loan somewhere else. Can you help?
Absolutely. We buy out existing Georgia title pawns and Tennessee title loans — including motorcycles. Most customers lower their payment, and you can even take out additional cash during the transfer.
How does the 10% On-Time Reward work?
Every month you pay on time, you can take 10% off your minimum payment — or pay the full amount and we'll apply the extra 10% to your principal. No catches, no tricks.
I'm self-employed. Can I still qualify?
Yes — no problem. Instead of a pay stub, just bring recent bank statements showing deposits to your account.
How long does it take?
Most title pawns are completed in a single visit. We appraise your vehicle on the spot, help you fill out the application, and walk through the contract line by line.
Do you speak Spanish?
Sí. Se habla español. Our team is happy to help you in Spanish from start to finish.
Don't wait. Get the money you need — or lower your payments — today.
Free appraisals, no credit check, and straight answers to every question.