Car & Motorcycle Title Loans in Alabama and Georgia

By the Cash Quick teamSources

Title Loan Cost Calculator

State Alabama (title loan)Georgia (title pawn) Amount

$1000

Months until paid off

1

Maximum charge per month

–

Total charges

–

Total to repay

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State maximums: Alabama 25% per month; Georgia 25% per 30 days for the first 90 days, then 12.5%. Assumes the principal is repaid at the end; actual terms are set at signing.

How a Title Loan Works

1. Start online or stop bySend a Quick Apply request or visit one of our three offices.
2. AppraisalWe appraise your car, truck or motorcycle while you fill out some quick paperwork.
3. Your ticketYou see the amount, the monthly charge, the due date and what happens if you don't repay before you sign.
4. Cash and keep drivingTake your cash and drive off in your own vehicle. The title secures the loan.

What to Bring

• Your vehicle and a clear (lien-free) title in your name – everyone on the title should come in.
• A valid picture ID, such as a driver's license or passport.
• Proof of income – you don't need a job as long as you have a verifiable source of income.

We do not require insurance for most loans, and there is no prepayment penalty.

Title Loan Costs in Alabama and Georgia

In Alabama a title loan follows the Alabama Pawnshop Act: up to 25% of the amount borrowed per month, with a due date no sooner than 30 days. In Georgia a title pawn follows O.C.G.A. § 44-12-131: up to 25% per 30 days for the first 90 days, then 12.5%, plus permitted fees such as lien recording. State maximums on $1,000, with the principal unchanged:

Paying only the monthly charge does not reduce the $1,000 you owe. Pay down principal whenever you can – every later charge gets smaller.

Renewal, Repossession and Redemption

Alabama: after the due date you have 30 days to redeem the title by paying the balance plus an additional charge; after that the vehicle is forfeited. Georgia: O.C.G.A. § 44-14-403 gives a 30-day grace period with an extra charge of up to 12.5%, and the vehicle can't be sold during it. In both states a default can lead to repossession, so a redemption period is not a promise you keep the car. Call us before the due date if you can't pay. Georgia title pawns are licensed by local government (Georgia AG guidance).

Pros and Cons

Title Loans Compared

Where to Get Title Loans

• Title Loans in Opelika, AL1993 Pepperell Pkwy · 334-759-7222
• Title Loans in Phenix City, AL1153 US-280 · 334-664-0011
• Title Loans in Columbus, GA3548 Macon Road · 706-641-2330

Title loans (title pawns in Georgia) are made at all three Cash Quick offices; bring your vehicle for the appraisal.

If You're Having Trouble Repaying

Call your lender before the due date and ask about a payment arrangement. In Alabama, a payday lender must offer a written plan of four equal monthly payments at no extra cost before suing on an unpaid payday loan. Before taking new high-cost debt, ask the biller for an extension, check for employer hardship help, or ask a bank or credit union about a small-dollar loan.

Free, independent help:

• Consumer Financial Protection Bureau – borrowing guides and complaints, 855-411-2372.
• Alabama State Banking Department – licensed lender complaints, 334-242-3452.
• Georgia Department of Banking and Finance (installment lenders) and the Georgia Attorney General's Consumer Protection Division (payday and title pawn concerns).
• NFCC – nonprofit credit counseling; ask about any program fees.
• Active-duty service members and covered dependents: the Military Lending Act caps covered credit at a 36% MAPR. Talk to your legal assistance office.

Title Loans FAQs