1. Auto Money Title Pawn – Multiple Macon Locations
Sector: Financial Services / Title Pawn
Services: Car title pawns, motorcycle title pawns, same-day cash, payoff of existing title loans from other companies, flexible payment options.
Founded: Over 30 years serving Georgia
About: Auto Money Title Pawn operates multiple locations throughout Macon including stores on Pio Nono Avenue (multiple locations), Gray Highway, and North Main Street. Auto Money offers title-secured pawns to car and motorcycle owners, with loan amounts up to $20,000. The company welcomes all credit types, including those with past bankruptcies or bad credit. Customers keep driving their vehicles while repaying the loan. Auto Money may pay off existing title loans from other companies, potentially at lower interest rates. The approval process involves completing an online request form or visiting a store, vehicle inspection, and title review. Staff is noted for professional and friendly customer service.
Address: Multiple Macon locations including 2730 Pio Nono Avenue, 3966 Pio Nono Avenue, and 1095 Gray Highway
Contact: https://www.automoneytitle.com
Hours: Contact individual locations for hours
2. TitleMax – Shurling Drive
Sector: Financial Services / Title Pawn
Services: Car title pawns, online title pawn applications, in-store service, vehicle appraisals via mobile phone.
Founded: Shurling Drive location operating since February 2000
About: TitleMax on Shurling Drive has served Macon area residents since February 2000. The store is located on the corner of Gray Highway and Shurling Drive, next to CVS. TitleMax offers title pawns using vehicle titles as collateral. While a credit check is performed, vehicle title helps secure the pawn, so most credit types are accepted. TitleMax offers online title pawn applications and a vehicle appraisal process that can be completed using a cell phone from home. Customers can also visit the store in person for immediate service.
Address: Shurling Drive (corner of Gray Highway), Macon, GA
Contact: (478) 750-7778 | https://www.titlemax.com
Hours: Contact for current hours
3. Georgia Auto Pawn, Inc.
Sector: Financial Services / Title Pawn
Services: Car title pawns, same-day cash up to $15,000, online application, in-store service.
Founded: Over 30 years in operation
About: Georgia Auto Pawn, Inc. operates a location at 4315 Pio Nono Avenue in Macon, across from the Flash Floods gas station. The company offers title pawns with same-day cash up to $15,000. Georgia Auto Pawn welcomes all credit scores, and customers keep and use their vehicles while repaying loans. The process involves filling out an online form, receiving a call from a representative, visiting the store with vehicle and required documents (lien-free title, driver’s license or state ID), completing a quick vehicle inspection, and receiving cash upon approval.
Address: 4315 Pio Nono Avenue, Macon, GA 31206
Contact: (478) 781-5557 | https://georgiaautopawninc.com
Hours: Contact for hours
4. Cash Link Title Pawn
Sector: Financial Services / Title Pawn
Services: Car title pawns, competitive interest rates, flexible payment options, online preliminary applications.
Founded: Over 20 years serving Middle Georgia
About: Cash Link Title Pawn is a Middle Georgia title pawn company that has served the area for more than 20 years. The company emphasizes superior customer service and professional account management. Cash Link offers competitive interest rates and flexible payment options. Staff undergoes thorough training to ensure high-quality service. The company prides itself on treating customers as individuals rather than account numbers, with staff members getting to know customers by name. Cash Link accepts preliminary loan applications online and contacts applicants during business hours. The company serves customers throughout Middle Georgia.
Address: Macon, GA
Contact: https://cashlinktitlepawn.com
Hours: Contact for hours
5. First American Title Lending – Macon
Sector: Financial Services / Title Lending
Services: Car title loans, commercial vehicle title loans, competitive rates.
About: First American Title Lending operates a Macon location serving customers from Macon, Warner Robins, Dublin, Forsyth, Gray, Gordon, Milledgeville, and Jefferson areas. The company offers title loans on cars and commercial vehicles at competitive rates. The Macon store is located at 211 Tom Hill Sr. Boulevard, behind Buffalo Wild Wings. First American Title Lending provides an alternative for customers seeking title-secured loans in the Middle Georgia region.
Address: 211 Tom Hill Sr. Boulevard, Macon, GA 31210
Contact: (478) 474-3611 | https://www.firstamericantitlelending.com
Hours: Contact for hours
About Macon, GA
Title pawns (called title loans in some states) are common in Georgia, with numerous providers operating along Pio Nono Avenue and other major corridors in Macon. Georgia law regulates title pawns differently than traditional loans. Georgia title pawn regulations require disclosure of terms and provide certain consumer protections. Title pawns are high-interest products; Georgia law requires disclosure that they are high-interest options and that borrowers should seek lower-rate alternatives if available. Borrowers use their lien-free vehicle title as collateral and can typically borrow based on the vehicle’s value. Failure to repay can result in vehicle repossession.
Frequently Asked Questions
Q1: What do I need to get a title pawn?
A1: Typically you need a lien-free vehicle title (no outstanding loans on the vehicle), a valid government-issued photo ID (driver’s license or state ID), the vehicle for inspection, and proof of income or ability to repay (requirements vary by lender). Some lenders require proof of residence and references. The vehicle must be registered in your name and match the title.
Q2: How much can I borrow with a title pawn?
A2: Loan amounts depend on your vehicle’s value, typically ranging from a few hundred dollars to $15,000-$20,000 for higher-value vehicles. Lenders appraise the vehicle and offer a loan amount based on a percentage of its value (often 25-50% of wholesale value). Newer vehicles with lower mileage and good condition receive higher appraisals.
Q3: Can I keep driving my car during a title pawn?
A3: Yes, you keep possession of your vehicle and can continue driving it while repaying the loan. The lender holds your title as collateral. If you fail to repay according to the agreement, the lender can repossess the vehicle.
Q4: What happens if I cannot repay my title pawn?
A4: If you cannot make payments, contact the lender immediately to discuss options. Some lenders offer extensions or payment arrangements. If the loan goes into default, the lender can repossess your vehicle and sell it to recover the loan amount. Georgia law requires specific notice before repossession. You may owe additional fees or a deficiency balance if the vehicle sells for less than what you owe.
Q5: Are title pawns a good idea?
A5: Title pawns are high-interest, short-term loans that should be used only for emergencies when other options are unavailable. Georgia law requires lenders to disclose that title pawns are high-interest options and that borrowers should seek lower-rate alternatives if possible. Consider alternatives such as personal loans from banks or credit unions, borrowing from family, negotiating payment plans with creditors, or seeking assistance from nonprofit organizations. If you do use a title pawn, have a clear repayment plan to avoid losing your vehicle.