Frequently Asked Questions

Q: What Is Auto Title Pawn / Loan?

A: The automobile owner can use his vehicle’s value to free up some cash to use in a time of need. To be eligible for an auto title pawn in Atlanta, one must use the title of his car as collateral.  As opposed to bank loans or personal loans, there are no delays and tiresome procedures with auto equity loans.

If you are in need of fast cash as long as you hold clear title to your car, truck, van, RV, motorcycle, jet-ski or boat you can get the fast cash you need for any urgent situation that has appeared in your life.

One of the best parts about Atlanta title pawn is that you do not have to give up your car unlike traditional pawn loans. You can keep driving because the title to the vehicle serves as the collateral rather than the vehicle itself.

The approval process typically takes less than one hour and you can pick up the funds from a convenient title loan location in Atlanta the same day.

Even if you have bad credit you can still get approved for a car title loan in our Marietta office. As long  as you own your car and have a job, as well as the required documents  you can be qualified for auto pawn in Georgia.

Auto or Boat title pawn is a fast and simple way to get the fast cash you need for any unexpected expenses in Atlanta, Georgia.

Q: How To Pawn A Title in Atlanta and state of Georgia?

A: Pawn car or boat title loans provide a type of secured financing in which the title to your vehicle serves as collateral on the loan.

It’s easy to apply for the pawn car or boat title loan in Atlanta, and the state of Georgia. As long as you have all the documentation required, approval can come in less than one hour and you could have your cash in hand in just a few hours. Required documentation includes original title, driver’s license, proof of full coverage insurance.

The car or boat title pawn process in Atlanta, Georgia, is fast, safe and easy compared to other financing options.

It is important to understand a few things about collateral loans before you apply. As with any loan, these should only be used when necessary and not as a quick fix nonessential expenditures.  The loan must be paid back as agreed, typically in monthly installments over any period up to 36 months. Failure to pay back the debt may lead to the repossession of the property used to secure the loan.

Borrowers can qualify for collateral loans even if they have bad credit history, tax liens, past repossessions, bankruptcies and credit denials.

If you find yourself in an emergency that requires fast cash, collateral loans may be the best answer.

Q: What Is A Lien-Free Title?

A: A lien-free title means that you own your vehicle outright, with no outstanding loans or judgments against it.

Q: What If I Have Bad Credit Or Filed Bankruptcy In The Past?

A: No problem! Metro State Financial LLC is here for people with bad credit in Atlanta, Georgia.  Bad credit, no credit or prior bankruptcies do not affect the approval decision because your credit history is not a factor in the title transaction approval process. We do not even pull your credit report. Your credit will not be affected by applying for a title transaction or after obtaining one.

Q: How Fast Can I Get An Auto or Boat Title Loan?

A: If you qualify, we can usually approve your personal auto title loan in our Atlanta office within one hour from the time you submit the Title Loan Application in our Marietta office (during normal business hours). When you receive loan approval you will be asked to provide a few items such as a car title, proof of insurance, and ID so that we can verify your residence, income and employment. Once you have signed the loan documents, we can fund the loan instantly by electronically transferring the money directly into your bank account or we can send you cashiers check for the amount. The total time it will take to complete the loan process from application to funding depends on how long it takes you to get everything to us. If you send us the items we need to process the loan immediately after you receive loan approval, the entire loan process can be completed in just an hour.

Q: Will My Personal Information Be Kept Safe?

A: Yes it will! We here at Atlanta Title Loans are concerned about your personal information you provide for  auto / boat pawn in Atlanta, Georgia, and we are deeply committed to protecting it. We go to great lengths to secure your personal information by securing your connection to our online Title Loan Application and protecting our database from from unauthorized users. For more information please see our policies on Privacy and Security.

Q: How Much Cash Can I Get?

A: We typically make loans up to 80% of the wholesale value of the vehicle. We take various factors into consideration such as the year, make, model, mileage, and condition of the vehicle. We will also consider your debt to income ratio as well as your ability to repay the loan and make the monthly payments. You should apply for auto / boat pawn title loans in Atlanta or Georgia even if you have bad credit or no job.

Q: What If The Car Is Not Paid Off?

A:  To pawn your car at Atlanta Title Loans in our office in Atlanta, Georgia and to get a car title loan, the car must be paid off or almost paid off.  To get your fast cash car title loan today come to our office in Marietta, Georgia or call Atlanta Title Loans now!

Q: Can I Pawn My Car If I Lost My Title?

A: Yes, you can apply for a boat / auto pawn in Atlanta, Georgia, even if you lost your car title. We can still approve you for a loan even if you do not have the Title. However, it must be paid off, and you must be the registered owner of the vehicle.

Q: How Do I Get My Title Back?

A: Your title will be returned to you immediately after paying back the full amount due on your account.

Q: Can I Pay Off My Loan Early Without A Penalty?

A: Yes! Metro State Financial LLC does not charge prepayment fees. You can pay off any portion of your loan at any time without incurring a penalty.

Call Metro State Financail LLC now and get your fast cash today!