How Title Pawns Work
Here’s How a Title Pawn With Integrity Lending Works.
The Process
The Five Steps of a Georgia Title Pawn – Step by Step
Have these ready and your visit goes fast.
Step 1 — Apply online or call
Fill out the two-minute form or call your nearest store. All we need up front: your name, phone, vehicle year/make/model, and ZIP. Mileage helps us get you a tighter number.
Step 2 — Your store calls you back
The Integrity Lending store nearest you reaches out during business hours, confirms your details, and answers any questions before you drive anywhere.
Step 3 — Stop by for a quick appraisal
Bring your vehicle, your lien-free Georgia title, and your photo ID. A team member appraises your vehicle on-site using current market data — condition, mileage, and value. Takes a few minutes, and you get a firm number, not an estimate.
Step 4 — Review your agreement and get paid
We walk you through the pawn agreement line by line: your amount, your 30-day term, every charge, and your payoff figure. Nothing is signed until your questions are answered. Then you take your money — cash or direct deposit — and drive home in your own vehicle.
Step 5 — Pay off, or renew if you need more time
Pay off your pawn and your title comes back to you, free and clear. Need more time? Georgia law allows renewals in 30-day increments by mutual agreement — most customers handle it with one call to their store.
500+ Reviews
Payoff, Renewal, Hard Questions
Paying It Off (and What If You Can’t Yet)
Whether you’re ready to pay off, need to get a renewal, or things have gotten tight, here’s exactly what happens.
“How do I pay off my pawn?“
Come into your store any time during your term and pay your payoff amount — the figure printed on your agreement. Your title comes back to you and the transaction is done. You can pay off early, any day of your term.
“What if I need more time?”
Call your store before your due date. Renewals run in 30-day increments by mutual agreement, and handling it before the due date keeps everything simple. This is the single best piece of advice on this page: if money’s tight, call early.
“What happens if I can’t pay at all?”
Honest answer: the pawn is secured by your vehicle, so if a pawn goes unpaid and unrenewed, Georgia law allows the pawnbroker to take possession of the vehicle. That outcome is bad for you and bad for us — we’d always rather work something out, which is why every store answers its own phone. One protection worth knowing: the transaction is secured by the vehicle only. Your bank account and your wages are never part of it.
500+ Reviews