Title Loans in Atlanta

Georgia sets no minimum or maximum amount, so what you can borrow in Atlanta comes from your vehicle's value and your ability to repay, usually about 25% to 50% of the value, not your credit score.

Across the Georgia loans we have funded, amounts have ranged from about $1,000 up to several thousand dollars. For example, a Honda Civic drew about $2,218.

Georgia treats these as title pawns, and the law allows charges of up to 25% of the principal every 30 days for the first 90 days, which works out to about 300% a year, and 12.5% every 30 days after that. Swift Title Loans charges far less than the legal maximum, and your exact rate depends on your vehicle and your ability to repay.

The charge applies again each time you renew, so a pawn carried for months can stack up. There is no penalty for redeeming early, so paying it off sooner keeps your cost down. As an example, at our example rate a $1,000 loan carries about a $30 charge for 30 days.

You will need to show who you are, that the vehicle is yours, and that you can repay. Have these ready:

• A Georgia driver's license or state ID
• The vehicle title in your name
• Proof of income or ability to repay, such as pay stubs or bank statements
• Proof of a Atlanta-area address, like a utility bill
• Clear photos of your vehicle and its odometer

Everything uploads online, so there is no store visit and no physical inspection.^{^}

Because the loan is secured by your vehicle's title, falling behind puts the car at risk. Georgia gives you a 30-day grace period after the due date before the vehicle can be sold.

Two Georgia rules are important to know. If the car is sold, the lender keeps the full sale amount, even if it is more than you owed, so it is worth redeeming the vehicle before it reaches that point. On the other hand, the vehicle is generally the lender's only recourse, so they usually cannot pursue you personally for a shortfall. If money gets tight, reach out before your due date so we can talk through your options.

Either works. Most Atlanta borrowers do everything online, but our office is open if you would rather come in:

• 53 Lower Alabama Street #110, Atlanta, GA 30303, (404) 491-8196

Online, most people pre-qualify in under seven minutes,^* with no store visit and no physical inspection,^{^} and approved funds are sent by direct deposit.

Yes, but they work differently here. Georgia treats title loans as title pawns under the state's pawn law (O.C.G.A. 44-12-131), not as consumer loans.

There is no state agency that licenses title pawn lenders, so there is less oversight than in most states. Local authorities and the Georgia Attorney General's Consumer Protection Division handle complaints, so it pays to choose a reputable lender and read your contract closely.