Title Loans Valdosta, Georgia
If you are in need of extra cash, title loans in Albany and Valdosta will be able to give you an instant approval, and fast cash. Compared to other lending institutions, you will know if you are approved for a loan or not within a day. In addition, a bad credit score will not ruin your chances of getting a personal loan any longer. Our loans allow individuals with good, bad, or no credit to apply. The only requirements you must meet is your age, and your ownership of a vehicle. Do not wait any longer and inquire about title loans today!
How Title Loans (Pawns) Work
In Georgia title loan lenders are known as pawnbrokers. Therefore, title loans are known as title pawns since they operate the same as a pawn transaction. You offer up your vehicle title for a short-term loan, after you pay that loan off you get your title back with the ticket you were given. For every contract you enter, you will receive a ticket. On this ticket is your name, number and item. It is important to note that you are the only one who can redeem your vehicle title back with this ticket.
Free and Non Obligatory Application Process
Filling out an application online or over the phone may only require a minute or less of your time. The vehicle information is what is necessary from you, which includes the make, model, mileage, style and year. Based on that information, a loan amount is calculated that is fitting to the current worth of the car. Your ability to repay the loan is also considered in this calculation.
Even after you have submitted an application, you are not obligated to get the title loan. Unlike other competitors, we do not pressure our applicants to get the loan. If you have any additional questions about title loans and how they work, our loan agents will be able to assist you in those matters. They will clearly outline the entire process for you, and may be able to provide some insight on the terms of the contract. Moreover, they will locate a title loan lender in Valdosta who will work with your terms and vehicle value to get you the loan you need.
You must gather these documents before visiting the site:
- Photo ID (State ID, Driver’s License, Passport)
- Proof of income (Bank statements or recent pay stubs)
- Proof of residency
- Vehicle title
For a quick inspection, your vehicle is needed at the time you sign the contract. The title loan estimate you were initially given may change depending on the state of the vehicle. If your vehicle cannot be used, is damaged or has been involved in any previous collisions, your loan can decrease or be turned away.
Title Pawn or Pawn Shop Regulations
The Department of Banking and Finance provides additional information about these types of transactions to consumers to make them aware of unlawful and unfair practices. This information includes disclosures your pawnbroker must give you before having you sign the contract, this includes the statements:
“This is a pawn transaction. Failure to make your payments as described in this document can result in the loss of the pawned item. The pawnbroker can sell or keep the item if you have not made all payments by the specified maturity date.”;
“Failure to make your payment as described in this document can result in the loss of your motor vehicle. The pawnbroker can also charge you certain fees if he or she actually repossesses the motor vehicle.”;