Requirements
  • The vehicle (paid off and not older than the year 2000)

  • A clear, lien free Georgia title (not salvage or rebuilt title accepted)

  • Georgia issued I. D. or Driver's License

  • Active car insurance (Full coverage required for $1,000.00 or more)

  • Active vehicle registration

  • A proof of residency dated within the last 30 days

  • Proof of income (pay stubs or bank statements)

  • Four Personal References with full addresses and phone numbers

  • Extra key(s) for the vehicle (must have one the day of for $1,000.00 or more)

How The Process Works

Our process takes 30 minutes or less.

We ask that you bring your vehicle and all the required items listed above.

  • Our representative will take pictures of your vehicle and send them to our appraisal department.

  • You will fill out a pre-application form while your vehicle is being appraised. 

  • We will determine the pawn amount based on the value of your vehicle, income, etc.

  • Once the offer is sent over, you may accept or deny the offered amount.

  • If accepted, our representative will go over some paperwork and explain our policies to you.

  • Once all papers are properly explained and signed, we will hand you a check and a copy of the paper work. 

  • You are free to leave in your vehicle. Tri County Lending Group, Inc. keeps your title and takes it to the local tag office to be placed as the lien holder.

 

In Georgia, title pawns are 30-day transactions. This means you are supposed to pay off your title pawn within 30 days, but we understand that you may need more time. In this case, you must make an interest only payment by your maturity date. (maturity date = due date)

We will show you payment plans between 2 and 24 months, depending on the amount approved for, that will help you pay off your title pawn as quickly as possible, but also stay your budget. Our payment plans are made up by our company representatives. They are not required or available at other title pawn companies, so you may be stuck paying interest only with other businesses. At Tri County Title Pawn, we are straight forward about our process and how title pawns truly work. That mindset might not be "good for business," but we want you to get your title pawn paid off quickly, so it does not cost you a fortune. 

Once you pay in full, Tri County Title Pawn will release the title back to you, lien free.

Georgia titles are held electronically so be aware that when you pay off ,we will not be able to hand you your title right away. Once it is released online, it will be mailed to you within 5-7 business days. 

If you have any other questions, please call us 706-420-0066.

Common Questions Regarding Title Pawns

What is a Title Pawn?

 

  • A title pawn is a quick and easy way to borrow money using your vehicle title as collateral. The only catch is that your title must be in your namelien free, and clean. 

What is the difference between a title pawn and a personal loan?

 

  • A title pawn is a short-term loan that charge monthly interest with a repayment term of 30 days. You can "roll over" your title pawn on your maturity date but you will be charged interest for the following month.  The amount borrowed is based on the vehicle's value since your vehicle title is used as collateral. Title Pawns do not hurt nor help your credit.

  • A personal loan is a long-term loan with fixed rates and set repayment terms between 12-60 months. The amount borrowed tends to be based on your credit score, history, and/or income. These loans can hurt or help your credit, depending on your payment history. 

 

What is a lien/lienholder? How do I know if my title is lien free?

 

  • A lien is a 'legal claim' on your property because you borrowed money against it.

  • A lienholder is a lender that legally has interest in your property until you pay them in full. 

  • Usually, lien holders will hold on to your title until you have paid them back, but if your title is in your possession, you will be able to visually see if there is a lien and who the lien holder is. If you are not sure, you can always check by calling your local tag office or by checking Georgia Drives.

 

What if I do not have credit or I have bad credit?

 

  • Tri County Title Pawn does not check your credit score or history. We are using your vehicle title as collateral, so a credit check is not needed. 

 

Does the owner(s) of the vehicle have to be present to get the title pawn?

 

  • Yes! The legal owner(s) of the vehicle must be present with their Georgia issued I.D. or driver license.

  • If there are two people listed on the title, both must be present. It is illegal to do a title pawn without both parties present.

 

How long does it take to get my cash?

 

  • If you are approved, you will receive a check the same day you open your title pawn.

  • Tri County Title Pawn does not keep cash on their premises. 

 

How do I make payments to Tri County Title Pawn? Is there a penalty for early payoffs?

 

  • We take cash and money orders in office. We accept cash deposits made into our bank account. 

  • If you have to pay after our office hours, we have locked drop boxes outside of our offices where you can place money orders, but be advised, Tri County Title Pawn is not responsible for lost or stolen payments that are placed in our drop box. 

  • No penalties for early payoffs!

What happens if my vehicle is wrecked/totaled or destroyed?

 

  • We understand that wrecks and 'freak accidents' happen, which is why we require our customers to keep active insurance on their vehicles for the duration of their title pawn. 

  • If you wreck your vehicle and it can be fixed, we need to know the shop/person who will have possession of your vehicle while it is being fixed. 

  • If your vehicle is totaled and you are at fault, your insurance company may pay us off depending on the type of coverage you have. If you only have liability and your insurance company does not pay us off, you are responsible for paying off your account, regardless of if you are driving the vehicle or not. 

  • If your vehicle is totaled and you are not at fault, please call your insurance company within 48 hours of your accident and inform them of Tri County Title Pawn being the lienholder. They should call the at-fault driver's insurance company who will then call us for pay off information. 

  • If your vehicle catches on fire, you hit a deer, hail damage, floods, etc. and you have full coverage insurance, your insurance should pay us off. If you only have liability and your insurance company does not pay us off, you are responsible for paying off your account.

  • It is against the law to junk your vehicle while there is a security interest on the vehicle and/or the title. Please refer to Georgia Law O.C.G.A. § 16-9-51 for more information.

 

How can I get my title back?

 

  • Your title pawn must be paid in full. This includes monthly interest, any late fees (if applied), and principle balance. On the day that you pay us in full, we will release your title from Georgia's online database and should receive it within 5-7 business days.

 

What if someone is late on their payment?

 

  • Remember that this is not a loan, but a title pawn contract. It does not require us to give you any extensions or grace periods. It is due on or before the maturity date. Failure to make a payment/pay off on or before your maturity date can result in immediate repossession.

  • We will work with you as much as possible, to a certain extent, but you must stay in touch with us regarding your account.

 

Customer Notice: A title pawn is a 30-day agreement, meant to be a short-term financial solution. However, borrowers often extend these pawns over a period of 2 to 24 months, which can be expensive. Title pawn customers have the option to extend their agreement at the maturity date, on the condition that finance charges have been satisfied for the period.

DISCLOSURE: This is a solicitation for a pawn transaction. This is not a guaranteed offer and requires approval. Amount subject to vehicle evaluation. Results and actual pawn amounts may vary. Certain limitations apply. Please see our FAQ page for more information.