A: No corporate red tape or long wait. Talk to a local Georgian who understands your situation and can get you more money for your vehicle's equity.

A: At Integrity Lending, we value your time. If you have your vehicle, clear title, and ID ready, most customers are funded and back on the road in under 30 minutes.

A: No! One of the biggest benefits of a title pawn is that you keep your keys and keep driving your vehicle while you pay back the pawn. We only hold the title as collateral.

A: Absolutely. We do not perform traditional hard credit checks. At Integrity Lending, your car’s title is your credit. We focus on the value of your vehicle and your ability to repay, not your past credit history.

A: To qualify for a standard title pawn in Georgia, your vehicle must be lien-free (paid in full). However, if you only have a few payments left, give us a call—we may be able to help you navigate a solution.

A: In the state of Georgia, these are legally defined as pawn transactions. Unlike a bank loan, it is a 30-day agreement where your vehicle title serves as collateral.

A: Don't worry. Georgia law allows you to renew or "roll over" your pawn for additional 30-day increments as long as you pay the monthly interest (finance charge). We’re here to work with you, not against you.

A: We prefer to see you succeed. Repossession is always a last resort. If you’re having trouble making a payment, communication is key. Because we operate with integrity, we encourage you to call us early so we can discuss your options.

A: The biggest difference is that Payday Loans are generally illegal in Georgia, while Title Pawns are a regulated, legal way to get emergency cash.

Payday Loans: These are "unsecured," meaning they require access to your bank account and are usually capped at very small amounts (under $500). Because they are illegal in GA, most "online payday lenders" you find are unregulated and risky.

Integrity Title Pawns: Our pawns are "secured" by your vehicle's title. This allow us to provide much larger amounts (up to $10,000) and we don't need your bank account information or a perfect credit score.

A: Speed and Approval. Traditional installment loans in Georgia often require a hard credit check, proof of long-term employment, and can take days to process. At Integrity Lending, we can get you approved and funded in 20-30 minutes because we use your vehicle's equity as collateral instead of just a credit score.

A: Yes, for two reasons:

Legal Protection: We operate strictly under Georgia’s pawn statutes, which protect you with capped interest rates and clear 30-day terms.

No Debt Collection: Unlike payday lenders who may use aggressive tactics or garnish wages if you miss a payment, a title pawn is "non-recourse." This means if you can't pay, the vehicle is the only thing at risk—we don't come after your paycheck or ruin your credit score with collections.

A: Almost always. Payday loans are tied to your next paycheck (usually limiting you to a few hundred dollars). An Integrity Lending Title Pawn is tied to the value of your car, truck, or motorcycle, allowing you to access thousands of dollars in a single day.

A: We follow Georgia state law (O.C.G.A. § 44-12-131) strictly. By law, rates are capped at 25% per month for the first three months and 12.5% per month thereafter. We pride ourselves on transparency—you’ll know every fee before you sign.