Frequently asked questions

Getting a title loan with Capital Title is simple. You will need your title or registration, proof of income, proof of residency, your vehicle, and a photo ID. If you keep these documents electronically, you can email a copy, or our representatives can assist you during the approval process once you arrive at one of our conveniently located office to complete your title loan application.

Title or Registration

The first document we will need to see is the title to your vehicle. Titles are often held electronically through your state DMV, but you will not have to make a special trip to your DMV to transfer your title from electronic to a physical copy. Simply bring your registration instead if your title is an electronic title and this will work for your proof of ownership of the vehicle.

Proof of Income

You can provide a traditional paycheck stub, award letter, or a recent bank statement that shows your income deposited into your account. In some cases, you may bring a letter on company letterhead with employment information as proof of income if you do not have the other items. Proof of income is not required for all of our loan programs, however providing income can increase the amount you may qualify for!

Proof of Residency

Proof of residency is provided in lieu of a credit check, at Capital Title, we never check an applicant’s credit so your credit score will never play a factor in your title loan approval. We accept several different documents as proof of residency, including lease or mortgage statement, a recent utility bill, or bank statement.  We do require that your proof of residency document, if it is a reoccurring statement, be a recently issued statement, typically issued within the last 30 days.

*Tip: You can provide a recent bank statement for proof of income and proof of residency if you receive direct deposit and the address listed is correct and current!

Vehicle

Once you arrive to our location, a representative will do a quick inspection of your vehicle which will assist in determining the value and the amount of a loan you qualify for. There is no need for you to wash your car before your arrival! With our title loan vehicle inspections, we are just getting information specific to your vehicle in order to pull the current value as part of the underwriting process for your application.

Photo ID

Just like with any standard transaction with a business, we will need to see your valid photo ID. Most applicants already have either their State issued Driver’s License or ID already in their pocket so this one should be the easiest document for you to supply our staff members with for your title loan application!

If you need a title loan, why wait? Get the money that you need TODAY! Call our friendly staff at (850) 297-2274 to start your application over the phone or save some time in the office and start your title loan application online here!

We have two locations servicing South Georgia and North Florida, specifically Florida’s capital city and the surrounding areas! After just a short drive outside the busy city, you can get the cash you need in minutes – TODAY! Avoid the hidden fees of companies in Florida by receiving a traditional title loan at Capital Title Thomasville or Capital Title Attapulgus. We assist customers just like you every day receiving the money you need based on the equity in your vehicle, not your credit score!

Conveniently located Northeast and straight up US Hwy 319 is our Thomasville location. Approximately twelve miles from Killeran Estates and directly across the street from Turners Fine Furniture on the left side of the highway.

North of Tallahassee International Airport about 20 minutes is our second location, just past Bishop’s Travel Center in Attapulgus, GA on the right side of US-27, or Tallahassee Hwy.

Thomasville Branch:

2199 US Hwy 319 South

Thomasville, GA 31792

Attapulgus Branch:

7821 Tallahassee Hwy

Attapulgus, GA 39815

Once you visit one of our two locations to open an account, you will leave with your money in just minutes. There are a variety of ways for you to make your payments or receive your title back without having to return to the office after your initial trip to Capital Title.

Not sure which location is closet to you? Give us a call at (850) 297-2274 or (850) 219-2274, one of our professional account representatives can help decide which location is the most convenient for you.

A title loan is meant to be a short-term loan option using your vehicle as collateral for the title loan, it is a quick and easy way to gain access to cash that you need, for any reason, using the asset that you have – your vehicle! With a title loan from Capital Title, there is no credit check and no strict end date for a title loan with us, the length, and the repayment of a title pawn with Capital Title is ultimately in the hands of the customer!

Since your offices are conveniently located just North of the Florida-Georgia state lines, our title loans are structured as a 30-day pawn transaction. If you cannot repay the title loan in full at the end of the 30 days, you simply pay the finance charge – or any amount over the minimum payment – to extend the term for an additional 30 days. Just like any other loan, the longer you have a balance the more money you will accrue and pay in finance charges overtime. We do encourage our customer to pay more than the minimum finance charge to reduce the amount borrowed and in return, reduce the additional finance fees incurred for the title loan.

We make it easy for our customers to quickly and easily access cash that they may need through our title loan programs at Capital Title! Aside from our residences, our vehicles are the standard second major purchase that we will make (and let’s face it, we will repeat this process many times throughout our lives) but using the equity that you have in your vehicle to gain access to cash when you need it is something that millions of Americans do to assist them, regardless of the situation. Let Capital Title assist you today!

At Capital Title, we have the ability to grant our customers with access to the equity that they have in their vehicle, even if they have not finished paying of an existing lien on their vehicle! Title loans only on your vehicle if the existing financing has been paid off is a thing of the past!

Need more information? Call our office today at (850) 297-2274 with any questions you may have or to find out how much equity you have in your vehicle through a title loan with Capital Title today.

Title loans are meant to be a 30-day loan but can be extended by paying the finance charge instead of paying the loan in full at the end of the 30-days. The total cost of the loan will depend on how long the outstanding balance is unpaid. We do encourage our customers to pay more than the minimum interest with each payment to reduce the outstanding balance and shorten the length of the loan.

There is a standard fee with title loans of $25 for every $100 that you borrow. For example, if you borrow $400, you will have a finance charge of $100. You have the option to pay the account in full by paying $500, the $400 that you borrowed plus the finance charge of $100, or you can pay just the $100 will allow for another 30-day period. Anything you pay over the finance charge will reduce the original amount you borrowed. If you were to pay $150 that would reduce the $400 by $50. You will only be charged interest on the balance. Reducing your balance to $350 will make your new finance charge only $87.50, saving yourself $12.50 in finance fees for the following 30-day period.

Be sure you ask about our interest free program! Capital Title offers first time customers 30-days interest free promotion, which is valid for the life of the loan. What does that mean? If you pay your account in full within the first 30-days, you will only pay the amount you borrowed. If you decide not to pay the balance in full and just pay the first finance charge, the interest is waived when you are ready to pay the loan off!

30 Days Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30 Days Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that is valued at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Capital Title in order to receive the promotion. Promotion must be requested to a Capital Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Would you like one of our representatives to explain the terms of the loan over the phone? Call today at (850) 297-2274 to have one of our knowledgeable team members get you the answers you need.

No! Title loans are meant to be a short term, 30-day loan. However, you do not have to pay the title loan in full within the first 30-days. Like other financial obligations, the longer you have an outstanding balance, the more you will pay.   You have the option to pay the loan in full by paying the amount borrowed plus the finance charge or just pay the finance charge. By paying the finance charge you will have another 30-days. You can continue paying the finance charge every 30-days until you decide you are ready to pay the account in full and get your title back. We encourage our customers to pay more than the minimum finance charge to reduce the balance owed and allow you to pay less interest overtime.

Be sure you ask about our interest free program! Capital Title offers first time customers 30-days interest free promotions, which is valid for the life of the loan. What does that mean? If you pay your account in full within the first 30-days, you will only pay the amount you borrowed. If you decide not to pay the balance in full and just pay the first finance charge, the interest is waived when you are ready to pay the loan off!

30 Days Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. To qualify for the 30 Days Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that is valued at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Capital Title to receive the promotion. Promotion must be requested to a Capital Title representative prior to the completion of your Motor Vehicle Pawn Transaction to qualify. Promotion only valid one (1) time, per customer.

Would you like one of our representatives to explain the terms of the loan over the phone? Call today at (850) 297-2274 to have one of our knowledgeable team members assist you with getting you the answers you need.

Capital title services customers from both Georgia and Florida, and we can accept titles from either state for a title loan application. The state of Florida has been offering its residents the option for paper titles and electronic titles, also referred to as e-titles. If your title is held electronic, there is no need for you to have your title printed before visiting Capital Title. Save yourself the time and money to have your paper title printed by bringing your current vehicle registration instead of the title. Capital Title can process your loan the same day if you have an e-title or a paper title.

Georgia has also started to incorporate the use of electronic titles. If your title is held electronically through the state of Georgia, just bring your vehicle registration, and avoid the hassle of visiting your DMV. Like Florida, some residents may have a paper title instead of the e-title. Both options are accepted by Capital Title to process and approve your title loan.

Still have questions? Feel free to call our friendly Capital Title Representatives to get the answers that you need at (850) 297-2274! We look forward to assisting you!

We make the repayment of your title loan easy at Capital Title. Title loans are meant to paid back within the first 30 days. However, you have the option to pay just the interest accrued to extend your loan for another 30 days. It is important to always remember that paying more than the accrued interest will reduce your principal balance which will then lower your interest for the next 30 days. Your due date will be 30 days from the day you receive your funds, which can change depending on how many days are in each month. Since Capital Title has a short application process, you will receive your funds the same day you visit one of our two branches.

Have you heard about Capital Title’s 30-day interest free program? Capital Title offers a 30-day interest free promotion to our first-time borrowers. Are you wondering how does this work if you can not pay the loan back in 30 days? No problem! This promotion is valid for the life of your loan at Capital Title. This means you can pay your accrued interest by your due date, which will extend your loan for another 30 days. You can make your interest payment as each month until you are ready to pay your loan in full and at that time we will waive the accrued interest, leaving just the outstanding principal balance due to get your title back!

30-day Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30-day Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that is valued at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Capital Title in order to receive the promotion. Promotion must be requested to a Capital Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Still have questions? Call our knowledgeable Capital Title staff at (850) 297-2274 with any questions you may have.

Interest on a title loan is accrued every 30 days based on the amount of the outstanding principal balance. The interest fees are accrued at $25 per every $100 borrowed for each 30-day period there is a balance on the account. The total cost of the loan can vary depending on the amount of the loan you receive and how long you need to pay back the loan. Keep in mind paying more than your accrued interest will reduce your principal. You are only charged on the outstanding balance, so each time you lower your principal balance, the accrued interest will be less. At the end of the 30 days, you can choose to make your interest payment or pay the loan in the full. If you pay the accrued interest, your loan will extend for another 30 days.

Have you heard about Capital Title’s 30-day interest free program? Capital Title offers a 30-day interest free promotion to our first-time borrowers. Are you wondering how does this work if you cannot pay the loan back in 30 days? No problem! This promotion is valid for the life of your loan at Capital Title. This means you can pay your accrued interest by your due date, which will extend your loan for another 30 days. You can make your interest payment as each month until you are ready to pay your loan in full and at that time we will waive the accrued interest, leaving just the outstanding principal balance due to get your title back!

30-day Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30-day Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that is valued at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Capital Title in order to receive the promotion. Promotion must be requested to a Capital Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Still have questions? Call our knowledgeable Capital Title staff at (850) 297-2274 with any questions you may have.

If you are unable to pay back your loan at the end of the 30-day period, that is no problem. In fact, most customer are unable to payback their loan within the first 30 days. Paying your loan back in the first 30 days is the best because way to lower the cost of your loan, but it is not required. You just have to pay at least your accrued interest to extend the transaction for another 30-day period. We always advise our customers to pay more than your minimum accrued interest to lower the outstanding principal balance, which will then lower the minimum payment owed on your next payment.

If you are first-time borrower, you may be eligible for our 30-day Interest Free promotion.  Capital Title offers a 30-day interest free promotion to our first-time borrowers. Are you wondering how does this work if you cannot pay the loan back in 30 days? No problem! This promotion is valid for the life of your loan at Capital Title. This means you can pay your accrued interest by your due date, which will extend your loan for another 30 days. You can make your interest payment as each month until you are ready to pay your loan in full and at that time we will waive the accrued interest, leaving just the outstanding principal balance due to get your title back!

30-day Interest Free; Not all customers will qualify for 30 Days Interest Free Promotion. In order to qualify for the 30-day Interest Free Promotion, you must meet the following criteria: 1) Have a lien free title to your vehicle that is valued at least $1,000; 2) Have verified, documented income of at least $1,000 a month after taxes; 3) Provide an acceptable proof of Residency such as a service bill or bank statement in your name. You must open an account with Capital Title in order to receive the promotion. Promotion must be requested to a Capital Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Still have questions? Call our knowledgeable Capital Title staff at (850)297-2274 with any questions you may have.

Your credit never plays a factor in your ability to receive a title loan with Capital Title. Bad credit? No credit? Really, No Problem! Applying for a loan can often be stressful and overwhelming. We know you are more than a credit score which is why the equity in your vehicle and ability to repay the loan are the determining factors.

Because Capital Title offers collateral based loans, the approval process is not based around your credit but instead the equity of your vehicle. Capital Title secures a lien on your vehicle, just like when you finance your car with a bank or dealership, the difference in a title loan is you are receiving a short-term loan on a car you already own. We also offer a loan program that allows you to receive a title loan even if you are still paying your existing lienholder which allows you to access to the equity that you have in your vehicle at any time!

Do not let bad credit detour you from getting the financial assistance you need! Call our knowledgeable Capital Title staff at (850) 297-2274 with any questions you may have.

Yes! This is a common misconception about title loans. Although you are using your title as the collateral for your loan, you are not pawning your vehicle, you are pawning the title to your vehicle to provide you access to the equity that you have in your vehicle in the form of a title loan. You will be able to keep your car and use it just like you normally would, unlike some other traditional pawnshops.

Capital Title understands how difficult it would be for you to leave your vehicle with us, which is why are only keeping your title. Instead, we secure a lien on your title until the loan is paid in full. This allows you to use the vehicle as collateral for the loan without having to give up your car. Even though Capital Title is the lienholder on the title, this does not change the ownership of the car. It is still your vehicle! We want to make getting your financial assistance, when you need it, as easy as possible!

Not sure this fully answers your question? Call our helpful staff at (850) 297-2274 with any other questions you may have. We look forward to assisting you!

No! To complete your loan with Capital Title, you will only need to bring your vehicle (for a quick inspection), your Photo ID, Title or Registration, Proof or Income, Proof or Residency. If you have your most recent bank statement, you can use that for both proof of income and proof of residency. That is it! No keys required. Most other companies require you to provide a spare key, but we know that can be time consuming and costly. You will never be asked for a spare key with Capital Title.

Call our friendly staff today at (850) 297-2274 to expediate your application process!

Yes! We expect normal wear to your vehicle, we are definitely not expecting any vehicles to be show room quality when we are completing our title loan application with our customers because new vehicles are not typically what customers tend to use for the collateral of their title loan with Capital Title. If you have minor damage or dings to your car, that will not prevent you from getting a title loan with Capital Title. If you can drive your vehicle to our office for a quick inspection and the damage is smaller than a basketball, your vehicle should qualify for a title loan with Capital Title! Obviously, any major damage to your vehicle may decrease the overall value and decrease the title loan amount that you do qualify for, but we can more than likely still assist you with getting your title loan application approved, despite the damage to the vehicle. Our inspection process is simple; look at the overall condition and mileage. Save yourself a few minutes but skipping the car wash. Visit Capital Title with your vehicle, title, ID, proof of income and proof of residence and leave with the funds you need today!

At Capital Title, we are not worried about the fender damage or the little dent from a grocery cart floating around the parking lot. If you are still worried there might be some damage that would be an issue, call our staff at (850) 297-2274. You can send pictures of your vehicle to our email address, [email protected] to ensure the damage will not be problem.

High or low mileage is no problem at Capital Title. We know you use your car every day going back and forth to work, extra-curricular activities, and family trips so the miles can rack up quickly. Our representatives will notate the mileage during the quick inspection of your vehicle, and it will play a factor in the value of your vehicle, however it will not be a reason to approve or deny your loan.

Regardless of the amount of miles on your odometer, you can still get the cash you need with Capital Title today. We are looking at the overall condition of the vehicle in addition to the mileage when completing the inspection. Mileage and condition will be used when pulling the value of the vehicle instead of using a credit check. You have equity in your vehicle, regardless of the mileage!

If you are worried about the mileage on your vehicle, you can call our informative staff today at (850) 297-2274 to get a preapproval quote. You can even send pictures of your vehicle and odometer to our secure email, [email protected] for a prequalifying virtual inspection!

We have several options for you to provide as proof of residency during the application process. Capital Title does not do a traditional credit check for you to be approved for a title loan, so instead we require a few documents in place of the credit check.

One of the most used documents to provide proof of residency is your bank statement. If you get direct deposit from your employer to your bank account, you can print your most recent bank statement with your correct mailing address and use that for proof of residency and proof of income. This allows our staff to verify your income by direct deposit which will save you bringing multiple items when visiting our office. You can use your bank statement even if you do not receive your income through your bank account, your bank statement will still be accepted as proof of residence.

Capital Title tries to make sure all our applicants can receive they funds they need. Incase you do not have a bank statement, you can also use a regular service bill such as phone, electric, gas cable or internet. All you need is your most recent bill with your current address and dated within 30 days. If you have recently moved and have not received your first months’ service bills, you can provide your lease agreement or mortgage statement. If you only receive electronic billing, you can print the bill at the office if you know your account log in information or you can email the documents to our secure email account, [email protected], and one of our representatives can print the documents for your application for you to save you some paper and ink.

If you do not have any of the items we have mentioned, do not worry! Capital Title also allows you to add a cosigner to your title loan application. This is not a requirement but can assist in producing the required documents needed to complete your loan and receive the funds quickly.

If you have any questions about some of the items listed to prove residency, call our knowledgeable staff at (850) 297-2274 today.

Proof of income can be in the form of a bank statement showing deposits, a paycheck stub, or in some circumstances, an award letter from your supplemental income or official letter from your employer on company letter head.

If you are self-employed, we understand you may not be able to provide traditional means of proof of income. In lieu of check stubs, you can provide a business bank account and proof of ownership for the business. We can also accept a profit and loss statement for the business along with the proof of ownership, such as, but not limited to, the LLC or Articles of Incorporation.

Capital Title usually requires you to be employed for at least 30 days to factor your income in the amount you qualify for. However, there are several loan programs that do not require proof of income. These programs are designed to help applicants receive the funds they need but will be more restrictive than the other programs requiring income. If you are looking for the max amount on your title loan, it would be best to provide income. You can also have a co-singer to apply with you that has income if you do not meet the requirements on your own.

Still unsure if what documents you can bring to prove your income? Call our friendly staff at (850) 297-2274 today and get all your questions answered!

You can have a cosigner if needed for a title loan with Capital Title, although it is not always required. Often customers need a cosigner when there are two owners on the title, in need of supplemental income, help proving residency or shared responsibility in repayment of the title loan. Your cosigner does not have to be a registered owner of the vehicle, or even live with you for some instances.

When a title is joined by the word “OR” that means one or the other owners can sign use the title as collateral for the title loan without the other person present. If the name is joined by “AND”, that would require you bring that second person with you because they will need sign for the title loan in addition to yourself. Some states do not use either joining words, which would then revert to the rules for using “AND”, meaning both owners will need to be present.

Often when you share occupancy of a home, only one person could be listed on the service bills, lease, or mortgage. In this instance, you can bring a cosigner that resides with you to prove your residency. Your cosigner will also need to bring their ID. You may be required to provide items with your address on them, in addition to the cosigner’s documents, that match their address.

Monthly income is factored to determine the amount of a title loan you qualify for. If you are not able to provide proof of income and are looking for a larger amount than other loan programs can offer, you can bring a cosigner to provide supplemental income.

Sometimes, our applicants like to have a shared responsibility for the repayment of the title loan, and this requires a cosigner. Regardless of the reason, we always encourage our applicates to add both parties to the title loan. This allows for both parties to be recorded on the title loan paperwork and makes it easier for either both to communicate with our company when making payments, paying off the loan or just asking questions about the title loan.

Do you think a cosigner is right for you? Are you not sure if you need a cosigner? Call our friendly staff to answer any additional questions you may have about cosigners and the application process at (850) 297-2774

We can approve your title loan even if you have an electronic title, or e-title. Capital Title services Georgia and Florida residents where both states offer electronic titles through your local DMV. There will be no need for you to have your e-title printed before visiting our office. You can bring your current registration with you which will allow our staff to verify your electronic title online. We do not have to keep your registration, instead we can file the lien paperwork electronically through the state. Once you have paid the title loan in full, you can opt to keep the title electronic or have a new, clean, and clear, title mailed to you from the State for an additional fee.

Not sure if you have an electronic title? Call our office today at (850)297-2274 with your Vehicle Identification Number, or VIN, handy and one of our experienced representatives can confirm the status of your title for you. This can save you an unnecessary trip to your DMV.

We do require you have valid registration on your vehicle when applying for a loan with Capital Title because one of the requirements is for our applicants to drive their vehicle to our office as part of the application process. As we service customers from both the surrounding Georgia and Florida areas, and it is required by the state for vehicles to be currently and up to date registered, we require the same from our applicants as part of the title loan application process. We are unable to approve and process a title loan application on vehicles that are towed or trailered to our offices because the registration is expired or if the vehicle is not currently operational. If your registration is about to expire, there is no need to renew early however, you will need to keep a valid registration during the entire term of your loan. If your registration is expired by months, or even years, we will not be able to approve your application for a title loan until your registration is renewed.

Do you have questions about the status of your registration? Give us a call at (850) 297-2274 to speak with a representative today. We can also assist with a pre-approval over the phone!

We do not have a minimum year cut off for a title loan with Capital Title. We except all years, makes, and models for our title loan applications.

You might notice our online instant quote on our website only allows vehicles 1991 or newer. This is only because the service used to integrate the automated approval process will only go back to 1991. If you have a 1990 or older, we can still process a title loan for you. Simply call our office for a representative to walk you through a preapproval over the phone.

As material items, such as vehicles, age, the overall value of the item will depreciate so the older the vehicle, the less value and equity that you hold in it will depreciate. When you receive a title loan, you are receiving a title loan against the vehicle so the age of the vehicle may play a factor in the amount that your title loan will be approved for.

At Capital Title, we also offer classic car title loans. During your in-office inspection of your classic car, our representatives will be able to identify your vehicle as a classic car and despite the age of the vehicle, these vehicles will hold a larger value and allow for a larger loan approval. At Capital Title, although we have programs that allow for your title loan to be approved without proof of income, we do factor in your monthly net income in addition to the value of the vehicle to determine your loan amount. Unlike competitors, we are in the title loan industry to assist our customers to gain easy access to the cash that they need, utilizing the equity in their vehicle, not possessing, or purchasing the vehicle from our customers so we will always ensure that our customers understand the terms of the transaction as well as have the ability to repay their title loan and keep their car.

It is easy to find out how much you could receive today with an auto title loan from Capital Title! Start your application online now or call our friendly staff today at (850) 297-2274 to get preapproved over the phone!

Because Capital Title services Georgia and Florida where insurance is required to operate a vehicle and you will need to drive to one of our locations, we do require insurance during the full term of your title loan. We will never require you to increase your coverage or add any additional coverage, unlike some other lenders. Although we do require the vehicles to have some degree of insurance in order to process your title loan application, we do not require the vehicle to have a full coverage policy for the application to be approved or for full coverage insurance to be purchased and maintained throughout the duration of your account with Capital Title.

Some competitors require you to purchase an insurance plan when receiving your title loan. These types of additional and unnecessary coverages could increase your monthly payment of your title loan and even lengthen the life of your loan. Capital Title will never require purchasing of any additional insurance, keeping your loan manageable allowing you to pay your loan off and get your title back quickly!

If your vehicle does not have full coverage and you have a title loan, it is important to note that in the event that your vehicle is in an accident and may be deemed as a total loss, you are still responsible for satisfying your financial obligation to Capital Title. Although this is a rare circumstance, Capital Title can work with you to close out your account.

Call our helpful staff at (850) 297-2274 with any other questions you may have regarding our title loan application requirements. We look forward to assisting you.

When there are two people on the title, the way the names are printed will be the determining factor if both of you will need to be present for the loan process. Often different states list co-owners differently on their titles. The title can reflect names separated by “OR, AND” or some cases, only have names listed with no conjunction.

When a title is joined by the word “OR” that means one or the other owners can use the title as collateral for the title loan without the other person present. If the name is joined by “AND”, that would require you to bring that second person with you because they will need sign for the title loan in addition to yourself. Some states do not use either joining words, which would then revert to the rules for using “AND”, meaning both owners will need to be present.

If you have a second person on the title that does not want to be a part of the title loan, you can visit your local DMV to have the other person removed from the title, however they will have to be willing to come with you and agree to be removed in order for you to be able to proceed with a title loan application.

If you are unsure how the ownership is reflected on your title, you can call our knowledgeable staff at (850) 297-2274 with your Vehicle Identification Number, or VIN, to assist in looking into that for you. We look forward to assisting you!

If you are still making payments on your vehicle with your first finance company, we can still assist you with our 2nd lienholder program. This program works a little different than some of our other programs but at Capital Title, through this program, we are able to allow our customers with access to the equity that they have in their vehicle, even when they are still paying off their original creditor!

We will need your most recent bill from your current lienholder to compare the amount you owe to the value of your vehicle to determine the additional equity available. If you know the balance of your loan with your current lienholder, you can call our office to get prequalified at (850) 297-2274. There will be additional documents required to qualify for the 2nd lienholder program such as registration, proof of residency, proof of income, photo ID, and your vehicle.

Your registration is very important to bring when visiting our office. We will use your registration get additional information, such as your Vehicle Identification Number, about your vehicle.

Proof of residency can be shown by simply providing that billing statement from your current lien holder with your current mailing address listed. If you do not have access to your statement, you can bring a lease agreement or mortgage statement, or a service bill.

Proof of income can be in the form of a bank statement showing deposits, a paycheck stub, or in some circumstances, an award letter from your supplemental income or official letter from your employer on company letter head.

If you have any questions about the documents needed to qualify for any of our loan programs, feel free to give our friendly staff a call at (850) 297-2274!