Terms & Conditions

We are not considered a financial institution by the state of Georgia Department of Banking and Finance. All transactions are defined as “PAWN” transactions. Business is conducted in the State of Georgia Only!

• PAWNS that become more than 10 days delinquent are in complete default and loss of  pawn collateral may occur.

• Failure to make timely payments could result in loss of collateral of the Pawn.

• All title pawn applicants must qualify and show the ability to repay the title loan.

• Title pawns are meant to be for emergency financial needs.

• The APR (Annual Percentage Rate) on a pawn transaction may be as high as 300%.

• A title lien fee may be charged to clients based on state requirements.

• Extensions of a pawn are by agreement of both parties and payments must be made in a timely fashion. The maximum term of a transaction is 36 months.

• See “Contact Us” tab for a physical address.

• Title Loan Now complies with all State and local pawn codes & laws.