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Car title Pawns Atlanta vs. Car Title Loans Atlanta: Everything you need to know

Car title pawns in Atlanta, when researched, can be daunting , especially online, and it may be difficult to figure out where to start when there is an influx of car title loan companies sharing  information on the internet that you need to weed through. You are not the only one who has felt overwhelmed when seeking out a car title pawn in Atlanta; in fact, many people go through the  process every day and receive approval in as little as 20 minutes. The truth is that the car title pawn industry is big, but it’s not as difficult as you may think once you find the right lender and understand the quick and simple steps to obtain a car title pawn.

The first question many first-timers have is, “What is the difference between a car title pawn and a car title loan?” The simple answer is nothing. You may find that some states refer to it as a car title loan while others call it a car title pawn. Either way, you say it, a car title pawn or a car title loans is an effective way to borrow cash against the clean and clear car title of your operable vehicle. A car title pawn in Atlanta can be a very useful tool to anyone in need of some fast cash, as long as the borrower understands the fundamentals of a car title pawn or car title loan and adheres to the simple guidelines set forth by a reputable car title pawn lender.

After contacting the car title pawn lender, gather everything that is asked of you (completed application, income documentation proof of income, driver’s license, proof of insurance, and proof of ownership-clean and clear title with no liens showing that the car is paid for). If you have all of this all in one file ready for the car title pawn lender, your processing will go much faster. If one thing is missing, you will have to retain the missing paperwork before you can receive cash for a car title pawn, which will delay the process and put more time between you and your money.

The car title pawn application will be straightforward with questions regarding personal information such as name, address, phone number, date of birth, etc. A car title pawn lender may require you to give your social security number to add to your file, but your credit will never be checked, so no worries about less than perfect credit. A car title pawn will also never affect your credit either. You even get to keep your car.

So now you know the ins and outs of the car title pawn process; this is all there is to it. It’s not as intimidating as the Internet makes it out to be. Forget about all the other car title pawn and car title loan articles on the Internet. After reading this one simple article, you should be prepared to apply for and get cash today from car title pawn in Atlanta.

How much money can I take out on a loan for my car title loan?

Car Title loans are great solutions if you have been looking for emergency money, you are now wondering how the maximum amount I can borrow is determined. Every vehicle title loan company has their own ways of determining the value of your vehicle and different factors that may affect your title loan amount. For instance the older your vehicle is the less it can be worth, but at times an older vehicle that has been properly maintained and has low miles may be a great source for a larger car title loan than expected. While the year, make and model of your car are the most important factors for title pawn companies the rarity and condition sometimes is taken into account to determine the title loan size. The liquidation value to lenders is important because in cases when the vehicle has to be repossessed, the lender will have to liquidate to recover their investment. Manufacturer upgrades to the interior or exterior, along with new tires etc. will help add value to your vehicle.  Other upgrades like rims and customized paint jobs may reduce the value of the car since it makes it harder to be sold because it narrows down the buyers interested. If you look up your cars value on Kelley blue book, remember that title loan companies will be looking at the trade in value of the vehicle.  With knowledge of how much your car may be worth on KBB, you can expect that most lenders will be looking to do a car title loan on up to 50 to 75 percent of the value of the automobile for use as collateral for the title pawn.

Car title pawn- What to have before heading to the lenders office.

Car title pawn is a very fast and simple loan transaction available to those in need of emergency funds. Before you head to your local title pawn company for a title loan you need to have a few things in order to avoid complications or having to go back and forth to the branch office. The main documents that you need to apply are; a clean car title (that being that there are no outstanding liens on the vehicle), basic proof of identification, whether it be a driver’s license or state issued ID. You will also need proof of current insurance on your vehicle and a bank statement or paystub for proof of income. Some lenders might ask for proof of residency, utility bills such as; water, electricity, gas or even a cell phone bill should be enough documentation to prove your residency. Your application will require job information, where you reside, personal references, etc.  The last thing a car title pawn lender will be asking for is a spare key of your vehicle (exceptions may be available). I recommend that before you go in for your title loan, make sure your car is clean and the inside of your vehicle is organized to give the lender a good feeling about lending to you. Always go in with a positive attitude and know how much money you need to borrow and that you will be able to make timely payments or within the required time period, pay off the car title pawn.