FAQ

Simply put, a title loan, also referred to in some places as a title pawn or a motor vehicle equity line of credit, is a short-term loan that uses the free and clear title to your vehicle as your credit. At Instant Car Title Loans, we offer fast and discreet loans to all credit profiles.

We serve a variety of customers with different needs. Businesses can use a title loan as leverage to buy supplies or quick cash to meet surprise expenses. Real estate agents and salespeople use our vehicle title loans to improve their cash flow while waiting for commission checks. Instant Car Title Loans takes pride in offering an easy solution to complex problems for all our customers.

Your vehicle, photo ID, proof of residency and a clear vehicle title are all that is needed to get a car title loan. No income or social security number verification needed.

Please have all people listed on the title come with you to Instant Car Title Loans.

A free and clear title will say ‘No Liens’ or have no one listed as a ‘Lienholder’. You can also call the auto lender that issued the loan for verification. Questions? We are happy to assist you! Please call us at (770) 458-1355 to speak with a title loan agent.

The process to get a car title loan is fast and simple. All you need is the car’s title, vehicle, picture ID and proof of residency (i.e. lease, mortgage statement, light, gas, water bills). Simply visit us and a friendly agent will evaluate your needs and the vehicle. You will then complete a short application and our agents will review terms and conditions before the loan signing. That’s it! Once you are approved, you will then leave with cash AND your car.

From start to finish the process averages up to 20 minutes.

You can rest easy knowing we save all information in a fireproof safe and offline. Since 1991, we have never had a data security breach. We adhere to the Gramm-Leach-Bliley-Federal Information Safeguarding Law, along with all federal and state privacy laws.

Many of our clients are self-employed professionals, such as contractors in need of working capital to buy supplies or meet expenses. Our small business expertise and quick approvals make us the title loan company of choice for self-employed borrowers. Federal law prohibits discrimination against a borrower’s source of income. We must consider your unemployment benefits. We may also consider your start date for a new job or the income of any family and friends who may co-sign on the loan.

No. At Instant Car Title Loans, we offer loans to people of all credit scores and all credit profiles.

Automotive title loans use a vehicle as collateral. Repossessions are uncommon but can occur in certain instances. However, this is a final measure and Instant Car Title Loans believes in working with customers who fall behind on payments. Repossession is a not a desirable outcome for either party.

No. Instant Car Title Loans does not have prepayment penalties.

We accept cash, debit card, money orders and cashier’s checks. This makes it convenient to pay in several ways. Our agents will discuss all the payment options available at the time of your loan. Payments over the phone are also available. Please call (770) 458-1355 to make a payment towards your active loan.

Unfortunately the Military Lending Act prohibits lenders from providing loans to active duty troops and their dependents.