Title Loan Statistics in Athens, GA
$1,289
Average Title Loan in Athens
$4,026
Average Vehicle Value
19
Loans Funded in 2025
32.0%
Average Loan-to-Value
Based on 19 title loans funded in 2025
Most Common Vehicles for Title Loans in Athens, GA
| Vehicle Make | Avg. Year | Avg. Mileage | # of Loans |
|---|---|---|---|
| Nissan | 2007 | 229,067 mi | 5 |
| Chevrolet | 2008 | 175,995 mi | 3 |
| Honda | 2006 | 283,581 mi | 3 |
| Acura | 2006 | 215,865 mi | 2 |
| Dodge | 2015 | 154,200 mi | 2 |
Recent Title Loans Funded in Athens, GA
The table below shows actual title loans funded in Athens, GA. Amounts vary based on each vehicle’s make, model, year, and condition.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2013 | Dodge | Charger | 130,400 | $418 |
| 2013 | Nissan | Altima | 242,663 | $418 |
| 2004 | Nissan | Altima | 255,000 | $1,050 |
| 2010 | Acura | MDX | 200,000 | $1,100 |
| 2002 | GMC | Envoy | 200,000 | $1,000 |
| 2012 | Chevrolet | Malibu | 100,000 | $718 |
| 2010 | Honda | Civic | 232,258 | $650 |
Frequently Asked Questions About Title Loans in Athens, GA
Check lower-cost help first. The financial-aid office at the University of Georgia can point students to emergency aid, short-term loans, or hardship grants, often interest-free, and credit unions serving the campus community offer small personal loans at a small fraction of a title pawn’s cost. This matters in Georgia, where title lending is regulated as a pawn transaction and charges can reach 25% of principal per 30-day period for the first 90 days – an effective rate near 300% a year.
If you have checked those and a title pawn is still the path you choose, one requirement matters especially for students: the vehicle’s title must be in your own name. A car titled to a parent cannot be pawned by you unless ownership is properly transferred first, so confirm the title status before you apply.
Often yes. Recent Athens pawns include vehicles well past 200,000 miles that still funded, because what matters is whether the car has genuine resale value and runs reliably, not the odometer alone. Amounts on these higher-mileage vehicles tend to be modest – frequently a few hundred dollars – which reflects what they would resell for.
The appraisal weighs year, mileage, mechanical condition, and a clear, lien-free title in your name. Bringing service records helps distinguish a well-kept high-mileage car and can support a better number. The final figure is documented on the pawn ticket Georgia law requires, which must list the amount, every charge per period, and the redemption deadline.
Because Georgia’s pawn structure has a cost cliff at 90 days. For the first 90 days, the pawnbroker can charge up to 25% of the principal per 30-day period; after that, the maximum drops to 12.5% per period. The charge is calculated on the original principal each period, so the balance does not amortize the way an installment loan would.
That means clearing the principal within the first 90 days avoids the most expensive window. If you cannot, you have the right to redeem the vehicle after any repossession by paying what is owed plus permitted costs, and Georgia limits repossession fees to between $50 and $250 and storage to $5 per day. Read the entire pawn ticket, including the required written warning that you can lose the vehicle, before you sign.
