Apply with Premier Title Loans for title loans that don’t require good credit. Apply online or call 800-250-6279!


Are you trying to borrow money from a personal loan lender but getting nowhere because of your credit score? Consider a car title loan from a lender in GA as these loans don't require good credit! Borrow up to $25,000 using your vehicle's equity as collateral.

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    How Title Loans Work In Georgia & How To Apply

    Premier Title Loans offers same day approval for Georgia title loans, and you can always complete an application online or over the phone at 800-250-6279. Anyone can qualify for these loans with a paid-off vehicle and proof of income, regardless of their financial circumstance.

    Car title loans allow borrowers to cash out significant equity from their vehicles and you can qualify for $2,500 or more in Georgia using a car valued at $5,000 or more. These loans are secured by the collateral in your car or SUV, and you can be approved with bad credit or no credit history!

    Unlike the strict repayment terms we see with payday loans, Premier Title Loans offers access to title loans where you can repay the entire loan balance early without penalty. Qualified customers can also apply to refinance their loan anytime and get a more favorable APR with a quicker payoff term.


    What Are The Basic Requirements For Same Day Cash Title Loans In GA

    Getting approved for a title loan in Georgia is relatively simple. You don’t need good credit, and the vehicle’s resale value is the most critical factor when determining a loan amount and interest rate. Other requirements include.

    • You must be at least 18 years old. Local title loan companies will request a valid Georgia Driver’s License.
    • You must have an active checking account. This is required as the lender needs to be able to debit a checking or savings account for the subsequent monthly payments. A bank account is also helpful if you want the loan proceeds sent by direct deposit.
    • You need a valid vehicle with a clear title. The car must be paid off, and the title must show you as the primary owner, meaning there are no cosigners or lienholders on the pink slip.
    • You need to provide employment information or bank records showing steady income.
    • You must show proof of registration from the Georgia Department Of Driver Services, and all vehicles need a valid proof of emission inspection within the past 12 months.


    Loan Amounts & Interest Rates For Auto Title Loans In GA

    Loan amounts vary based on your vehicle’s value and loan repayment terms, but you can expect a funding amount of $1,000 to $25,000 in GA. There’s a wide range of loan amounts because vehicle resale values fluctuate significantly. Cars worth $2,000 can get you around $1,000, while those worth $40,000 can lead to funding amounts of $20,000 or more!

    Interest rates also fluctuate based on your underwriting details and ability to repay the loan. Most companies in Georgia have rates that start at 30%, and some lenders in Athens and Macon offer car title loans with an APR of 80% or more. Because of those high rates, you should not take the first loan offer and look for companies that allow you to refinance the loan later.


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    Car Title Loans In GA With Bad Credit

    You should have no trouble getting an car title loan, even with bad credit or no credit history. While local lenders offering auto title loans in Atlanta will typically deny your application, a title loan provider will look at the equity from your vehicle as the primary requirement. That’s because your car’s collateral is used as security in the case of default, so your lender wants to know if there’s enough equity.

    Bad credit title loans don’t focus on your credit history; you can get approved and underwritten for a loan without a standard credit check. Also, consider that with these loans, you can make on time payments each month, which will reflect positively with the credit bureaus! So, yes, title loans will go on your credit in Georgia if you make the loan payments on time!


    What Else To Know About Car Title Loans In GA

    You may be able to pick up your cash that same day if you apply with a local title loan company in Georgia. Some local finance lenders will take your application in person, meaning you can complete everything in one day and walk away with your cash. Finance companies in Augusta and Atlanta will allow you to apply online and finish the vehicle inspection in person at their location.

    Another thing to consider with a title loan in Georgia is that the vehicle inspection for a car title loan can typically be completed in less than an hour. While some customers want nothing to do with getting their car or truck inspected, it doesn’t have to be a hassle with Premier Title Loans. We work with companies that offer physical inspections, and some lenders can verify a vehicle’s value with video proof showing that the car runs and is in good condition.


    Complete An Application Online Or With A Local Title Loan Lender in Georgia

    With Premier Title Loans, getting a car title loan in GA has never been easier for anyone with a paid off vehicle. Complete our application online or start with a local lender in Columbus or Savannah to borrow cash with your vehicle as collateral. Some local companies lend up to 70% of the vehicle’s value if you meet with them face to face, and you may get your cash that same day!

    Contact us at 800-250-6279 to see how much equity you can cash out from your car, truck, or SUV in Georgia! After receiving your information, you can typically expect an initial lending estimate within 15 minutes!