FAQ / Support

How much can I borrow from an auto title loan?
We will loan up to $10,000 USD on most vehicles

Can you loan money for boats, RV's, motorcycles, or construction/farm equipment?
Yes

Can I drive my car during the term of the auto title loan?
Yes

Does my car need to be paid off?
Yes. Your auto title will need to be clear before we can loan you money.

Do I need to have good credit to get a car title loan?
No

Do I have to have a job?
No

What if I am on disability or retirement?
Yes, we can work a loan for individuals on disability or retired persons

What is a title loan?
Title loans are a quick and convenient way for people who own their car without any liens (i.e., a lien-free title) to get cash using the car as collateral. It allows consumers to use an asset they own (their vehicle) to solve short-term cash flow problems. Without title lending, many consumers would be forced to sell their vehicle in a time of need, probably at a discount.

How does car title loans work?
Bring your car and lien-free title to Austell Title Loans to use the value of the car as collateral for your transaction. Fill out an application while we appraise your vehicle. We will determine a transaction amount based upon your need and the appraised value of your vehicle. Upon approval, you will receive your funds and retain the use of your vehicle. When you pay off the balance of your account, Austell Title Loans returns your title.

How long does it take before I get my money?
We can usually give you loan approval within 15 minutes from the time you submit the Loan Application to us (during normal business hours). If you qualify, the loan process takes about 20 minutes from start to finish.

Does the vehicle title need to be in my name?
Yes. The car title must have you listed as the legal owner of the vehicle that you intend to use as collateral for the transaction. If you are listed on the title along with another person, give us a call to determine whether or not the other person listed on the title has to apply along with you.

When will I get my title back?
Your title will be returned to you immediately after paying back the full amount due on your account.

Is my personal information safe with you?
Yes it is! We are concerned about your personal information as well, and we are deeply committed to protecting it. We go to great lengths to secure your personal information, our web site, and our databases, and take a number of precautions to protect access to them from unauthorized users.

Why use a title lender?
A title transaction enables you to acquire funds based on the value of your car but without actually losing its use. The process is based on collateral, not credit.

What if I am late on a payment?
If you are seriously late or non-responsive, vehicle repossession could occur. However, Austell Title Loans considers repossession a last resort because repossessions are expensive and time-consuming. If you are having trouble meeting your payments, we will work with you, within reason, on a case-by-case basis. This is one of the benefits of using a hometown auto lender like Austell Title.