Car Title Loans in Georgia2026 Guide
In Georgia, title loans are classified as "title pawns" and governed by pawnshop laws.
Legal Status & Regulations
Governing Law
GA Code §7-4-1
Last Reviewed: April 2026
Law Summary
In Georgia, title loans are legally "title pawns" under O.C.G.A. § 44-12-130. Interest rates are capped at 25% per month for the first 90 days, then drop to 12.5% per month (150% APR) thereafter. The law allows for a 30-day grace period before repossession can occur after a default, and lenders must provide a written pawn ticket with all terms. Additionally, Georgia law requires that any surplus from the sale of a repossessed vehicle must be handled according to state law, though the specific requirements for returning surplus to the borrower are more limited than in some other states. Borrowers should be aware that if the loan is not redeemed, the lender becomes the owner of the vehicle and can sell it to satisfy the debt.
Real Rate Example in Georgia
A $1,500 loan in Georgia at a typical market rate of Pawn model APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
Varies
Max APR / Rate
Pawn model
Loan Term Range
30 days
Governing Body
Georgia Department of Banking and Finance