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 3 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 manager's approval. Amount subject to vehicle evaluation. Results and actual pawn amounts may vary. Certain limitations apply.

Requirements
  • The vehicle

  • Extra key(s) for the vehicle

  • The clear Georgia title

  • Your state issued I. D.

  • Valid car insurance

  • A proof of residence dated within the last 30 days

  • Your pay stub (optional)

  • Four Personal References with address and phone numbers

How The Process Works

Our process takes 30 minutes or less.

We ask that you bring your car and all the required documents.

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

You will fill out a pre-application form for your Georgia title pawn while we appraise your vehicle. We will determine the pawn amount based on the value of your vehicle.

Once the offer is sent over, we will go over some paper work and explain our process to you.

Once all papers are properly filled out and signed, we will hand you a check and a copy of all paper work. 

 

In Georgia you have 30 days to pay off your title pawn. Reality is that hardly anyone does. We will show you payment plans for 3, 6 or 12 months that will help you pay off you title loan. In all honestly, not many of the title pawn businesses will show you these options. They would just want you to pay the interest only amount as long as possible. We don't want you to do that. It  might not be "good for business", but we want you to get your title loan paid off as soon as possible so it doesn't cost you a fortune. 

Once you pay in full, Tri County Title Pawn will release the title to you. Georgia titles are being held electronically so be aware that when you pay off we won't be able to hand you your title right away. It has to be released online and it gets mailed to you within 5-7 business day. 

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

More Questions About Title Pawns

What is a Title Pawn?

 

  • A title pawn is a quick and easy way for anyone who owns a vehicle to get cash using the vehicle as a collateral. Remember that your title must be lien free!

 

Is this a loan or a pawn transaction?

 

  • It is a title pawn transaction.

 

What is a lien-free title?

 

  • A lien-free title is when the title is in your name and you own it outright, with no loans or judgments against it.

 

What if someone has no or bad credit?

 

  • Tri County Title Pawn does not check credit history in order to get a title pawn. We are using your vehicle as collateral.

 

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

 

  • Yes. The car title must have the person listed as the legal owner of the vehicle. This name must also match the State issued I.D. If there are two people on the title, they will both have to come in and fill out an application. It is illegal to do a title transaction without the other person present.

 

How long does it take to get my cash?

 

  • In most cases, as long as the person has all required documents in hand, a check is given in 30 minutes or less.

 

How to make payments to Tri County Title Pawn?

 

  • We take cash, certified check, money order and cash deposit to our Pinnacle bank account. You will have to come in and renew the contract every 30 days if you are not paying in full.

  • If you are not able to pay off your pawn in 30 days, we are happy to come up with a 6 month or a 12 month payment plan. Once you paid in full, you will get your title back.

 

Is there penalty fee for early payoff?

 

  • We are happy for you when you are able to pay in full early! We will not penalize you!

 

How to get your title back?

 

  • Once you have paid in full we, will give you your title back immediately. We can only hand the title to the owner!

 

What if someone is late on their payment?

 

  • Remember that this is not a loan but a title pawn contract and it does not give you any extensions or grace periods. It is due on or before the due date. We will work with you as much as possible but you have to keep in touch with us and let us know when you would be able to make a payment.  If you are more than 10 days late with no contact, repossession may occur.

 

Does the vehicle owner have to have car insurance?

 

  • Yes. Our contract states that you must obtain current car insurance while we have a lien on your title. If something happened to your vehicle without insurance, you would still be responsible for paying the account off.