Title Loan Statistics in Chattanooga, TN
$1,491
Average Title Loan in Chattanooga
$3,256
Average Vehicle Value
22
Loans Funded in 2025
45.8%
Average Loan-to-Value
Based on 22 title loans funded in 2025
Most Common Vehicles for Title Loans in Chattanooga, TN
| Vehicle Make | Avg. Year | Avg. Mileage | # of Loans |
|---|---|---|---|
| Chevrolet | 2014 | 186,913 mi | 4 |
| Ford | 1997 | 149,923 mi | 3 |
| Mercedes-Benz | 2009 | 171,415 mi | 2 |
| Dodge | 2013 | 119,500 mi | 2 |
| Mercury | 2007 | 162,108 mi | 2 |
Recent Title Loans Funded in Chattanooga, TN
The table below shows actual title loans funded in Chattanooga, TN. Amounts vary based on each vehicle’s make, model, year, and condition.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2018 | Chevrolet | Malibu | 150,000 | $2,650 |
| 2001 | Ford | F150 | 186,282 | $600 |
| 2007 | Dodge | Grand Caravan | 183,000 | $300 |
| 2009 | Mercedes-Benz | M Class | 136,480 | $1,800 |
| 2015 | Chevrolet | Traverse | 200,000 | $1,500 |
| 2005 | Mercury | Mariner | 167,215 | $750 |
| 2001 | Chevrolet | Silverado 2500 | 286,000 | $880 |
Frequently Asked Questions About Title Loans in Chattanooga, TN
Wages from the Volkswagen assembly plant, the warehouse and freight operations along the I-75 and I-24 corridor, and similar shift work all count toward the ability-to-repay review a Tennessee title pledge requires. The documentation just needs to capture a realistic monthly figure, including overtime and shift differentials. Bring 60 to 90 days of pay stubs that show base pay plus any overtime and premiums, recent bank statements confirming the deposits, and prior-year tax forms if your hours swing seasonally with production or shipping cycles.
Because overtime can rise and fall with plant schedules and freight volume, borrow against a sustainable monthly figure rather than a peak month, and remember Tennessee caps a title pledge at $2,500 per title. Confirm the lender is licensed through the Tennessee Department of Financial Institutions and review the written disclosure of the APR, payment schedule, and total due before you sign.
Tennessee’s Title Pledge Act builds in several. If the pledge goes into default and the vehicle is repossessed, we must hold it for a 20-day period, and no additional interest or fees can be charged during that window. You can redeem the vehicle any time in those 20 days by paying the outstanding principal, interest, and authorized fees plus the repossession charge.
If the vehicle is ultimately sold, the sale must be commercially reasonable, and any surplus above what you owe must be returned to you rather than kept by us. The strongest move is still to contact us before the 20-day window closes , since redeeming the vehicle is far easier than recovering it after a sale. Tennessee also gave you the right to cancel the pledge by the end of the next business day at origination for a full refund.
Tennessee limits a title pledge to $2,500 per vehicle title, regardless of how much the vehicle is worth. So even if your car, truck, or work vehicle appraises well above that, $2,500 is the ceiling on a single title pledge in Chattanooga. Among recent local loans, amounts cluster well under that cap because the figure is driven by appraised value and your documented ability to repay, not by the cap alone.
Practically, that means a high appraisal does not unlock a larger title pledge past the statutory limit, and the cap is one reason a lower-cost option may serve you better if you need more than $2,500. A clear, lien-free title in your name is required, the final figure comes from a written appraisal, and the disclosure must show the full cost before you sign.
