How do Title Loans work?

Capital Title in Attapulgus & Thomasville, GA 

Wondering how car title loans work at Capital Title in Tallahassee? Curious to find out if title loans are right for you? Let’s discuss how title loans at our office work, so that you can find out more about our short-term title pawn loans, and see if they’re right for you.

1. Apply Online or at Our Office to Get Started

If you’re ready to get started with a car title loan in the South Georgia area, you can get started by either going to our website and filling out our online email quote request, or by stopping by one of our conveniently located offices in South Georgia, near the Florida-Georgia state line.

The process of applying for a title loan takes only a few minutes, and our friendly, helpful loan officers and employees can help you understand every step of the process. We make it easy to get auto title loans quickly and provide you with the quick cash you need for emergency expenses.

2. Get a Quick 5-Minute Vehicle Inspection

Once you’ve filled out your paperwork, we’re going to need to take a quick look at your vehicle. We need to verify its mileage, make, model, and condition to determine its value. The value of your vehicle is what determines how much you’ll get from a title loan at Capital Title. This process takes only a few minutes.

3. Bring Proof of Address, Your Title, and Identity Documents with You 

We need you to verify your identity before we can issue you a title loan, to ensure that you are 18+ years of age and a legal U.S. resident. In addition, we need:

1. Proof of address, such as a phone or cable bill with your name and current address

2. Your title, which must be “free and clear.” In other words, there can be no liens on the title, and you cannot be repaying any bank or other such institution for your vehicle. You must own your car outright, and the title must be in your name.

Bring these documents with you to ensure that we can streamline the process of approving your title loan.

4. Get Cash for the Value of Your Vehicle – We Keep Your Title

Once you finish applying for your loan, we’ll give you a document with all the details. Sign it, and you’ll get your cash right away. We provide same-day cash, so you can get the emergency funds you need ASAP. Don’t worry – you’ll keep your keys. All we need is your title!

5. Repay Your Title Loan and Get Your Car Title Back

Once you’ve repaid your title loan, all you need to do is stop by our office to pick up your title. Our lien on your title will be released, and your vehicle will be all yours once again!

Get Started with Capital Title Right Away!  

Whether you’re in South Georgia or in North Florida, Capital Title in Attapulgus, GA can help you get the emergency cash you need with convenient title loans. The application process is simple, so get started today!



Tallahassee Title Loan is committed to giving its customers the best experience possible.  Car title pawns are secured by the equity in your vehicle. This type of pawn is not intended to be a long-term solution. The max APR for a title pawn is 0%*, plus a mail fee of $5.91. Pawn repayment periods can range from 61 to 90 days.

Representative Example: If you choose to pay your pawn within 61 days then the total repayment for a $100 loan is $100. Customer is also responsible for paying a mail fee of $5.91.

PAWN AMOUNT (Amount Financed) PAWN TERM (# of Days) PAWN FEE (Finance Charge) CHECK AMOUNT (Total of Payments) APR
$100 61 $0 $100.00 0%


Representative Pawn Examples (Changing Terms) One Time Fee Total
Amount Term Rate (APR) No. of Payments Monthly Payments Mail Fee
$100.00 61 days 0% 2 $50.00 $5.91 $105.91

* This offer is only provided to customers who application originated via a paid Google advertisement. Your actual rate depends upon loan amount, loan term, credit usage and history, and will be agreed upon between you and the lender.


This privacy notice discloses the privacy practices relating to this website for Tallahassee Title Loan (referred to herein as “Tallahassee Title”). This privacy notice applies to information collected by phone, email, and/or this web site. The purpose of this privacy notice is to address the following: 1) What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared; 2)What choices are available to you regarding the use of your data; 3) The security procedures in place to protect the misuse of your information; and 4)How you can correct any inaccuracies in the information.

Collection, Use, and Sharing of Information

Tallahassee Title is the sole owner of the information collected on this site. Tallahassee Title only has access to/collect information that you voluntarily give Tallahassee Title via email, phone, or by completing the Funding Estimate form which may appear throughout the website. Tallahassee Title will not sell or rent this information to anyone. Tallahassee Title will use your information to respond to you, regarding the reason you contacted Tallahassee Title. Tallahassee Title will not share your information with any third party outside of our organization, other than necessary to fulfill your request, e.g. to determine if you are eligible for funding. Unless you request Tallahassee Title not to, Tallahassee Title may contact you via email or phone to notify you about specials, promotions, new products or services, or changes to this privacy policy.

Your Access To and Control Over Information

You may opt out of any future contacts from Tallahassee Title at any time. To do any of the following, you should contact Tallahassee Title via email at [email protected] or by calling (850) 219-2274: 1) See what data Tallahassee Title has about you, if any; 2)Change/correct any data Tallahassee Title has about you; 3) Have Tallahassee Title delete any data it may have about you; and/or 4) Opt out of receiving phone calls relating to, or emails containing, offers or updates regarding your account.

Data Security, Storage, and Employee Limitations

Tallahassee Title takes several precautions to protect your information. When you submit sensitive information via this Tallahassee Title web site, your information is protected both online and offline. Whenever Tallahassee Title collects sensitive information (such as personal data), that information is encrypted and transmitted directly to Tallahassee Title’s database in a secure way. While Tallahassee Title uses encryption to protect sensitive information transmitted online, Tallahassee Title also protects your information offline. Only employees who need the information to perform a specific job (for example, customer service) are granted access to personally identifiable information. The computers/servers in which Tallahassee Title stores personally identifiable information are kept in a secure environment.

Links To Other Web Sites and Services

Tallahassee Title may have links to outside affiliates and/or third-party websites and is not responsible for the content or policies on those sites. Tallahassee Title is not responsible for examining or evaluating businesses or individuals or the content of their websites.

We Carefully Limit And Control The Sharing Of Customer Information

We disclose “nonpublic personal information” as permitted or required by a variety of federal or state laws, such as response to a subpoena. We only collect information needed to serve you and conduct our business. This information my come from public records including but not limited to Department of Motor Vehicles, any state agency related to the motor vehicle, its title, or registration status.


All questions or comments regarding the aforementioned policies should be directed to Tallahassee Title using the address listed below. All inquiries will be addressed and responded to within a reasonable time period.

 Tallahassee Title
Attn: Brooke Brandon
7821 Tallahassee Hwy
Attapulgus, GA 39815


By providing your email address or other personal information to Tallahassee Title, or by completing an application with Tallahassee Title, you understand and do not dispute the terms outlined in this privacy notice.



Tallahassee Title we are proud to be a responsible participant in the Title Pawn industry. We strive to provide excellent service to our customers, and therefore adopt the following as representative of our core values:

  • We will not encourage customers to engage in a pawn transaction if we do not believe that our service is appropriate for them.
  • We will not intentionally market to people who are financially insecure.
  • We will not encourage people to borrow more than we believe they can afford to repay.
  • We will do our best to provide information, so our customers have a clear and understanding of the services we provide.
  • We will comply with appropriate state and local regulations related to short-term loans.

Borrowing Responsibly

First, determine whether a pawn transaction is in your best interest. If you do not feel that you will realistically be able to pay it back in a timely manner, understand that you may run the risk of incurring extra charges by allowing the contract to rollover.
We recommend that you not engage in a pawn transaction unless you fully understand, and are comfortable with, the terms and conditions. The finance charge is 25% every 30-calendar days on the principle balance of the pawn transaction. In addition, fee(s) may be charged to register a lien on the title and are only charged in the event that the lien is secured and due at the time that the account is paid in full. Because of the high risk associated with short-term loans, the Annual Percentage Rate (APR) can be as much as 300%.

Responsible Lending

Tallahassee Title facilitates pawn transactions that are conducted in a secure and responsible manner, with appropriate consumer protections. Our principles and core values include, but are not limited to, full disclosure, truthful advertising, and fair collections practices.

Full Disclosure

We comply with the disclosure requirements of the state in which the title pawn office is located and with federal disclosure requirements including the Federal Truth in Lending Act. Our title pawn contracts with customers fully outline the terms of the transaction. We disclose the cost of the service fee both as a dollar amount and as an annual percentage rate (“APR”). We further ensure full disclosure by making rates clearly identifiable to customers before they enter into the transaction process, unless not permitted by federal, state, or local law.


We comply with all applicable laws. As such, it is our policy to not charge any fees or rates for a pawn transaction that are deemed unauthorized by state or federal law.

Truth In Advertising

We do not advertise the title pawn service in any false, misleading, or deceptive manner, and promote only the responsible use of our title pawn service.

Encouraging Consumer Responsibility

Through this policy on responsible lending, we educate our customers that these loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long–term solution.

Collection Policies and Practices

Our collection agents will collect past due accounts in a professional, fair and lawful manner. Upon Default, the following are examples of things that may occur:

1. Contact with you may be attempted through all provided means including active phone numbers for all account holders, references, letters and emails.

2. Repossession of the collateral at issue in the transaction.

3. Litigation to recover balance in full in which debtor will be responsible for all associated costs and fees including attorneys’ fees.

The term of the pawn transaction is up to 90 days.  In the event that the redemption premium is not received on the 30th day, the account will automatically renew into another 30-day term acquiring additional fees to automatically accrue on the account until the balance is paid in full. If you are unable to pay the account in full, the minimum payment of the interest accrued can be paid to renew the term and avoid further collection.

Tallahassee Title does not report any information about your account to credit bureaus. Late payments, missed payments, or default on your account will not be reflected on your credit score. Tallahassee Title will repossess any collateral in the event of a default.

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