Bears LendingBears Lending in Georgia Title pawn, installment and 9 stores across South Georgia.
Georgia doesn't allow payday loans, so our Georgia stores are built around title pawns, installment loans and lines of credit. Every charge is set by Georgia's pawn and industrial loan statutes and shown in writing before you sign.
Valdosta
Loans available at Georgia stores
Georgia's Industrial Loan Act doesn't permit payday lending. For a short-term amount under $500, a pawn loan or a line of credit is the closest fit; for anything larger, a title pawn or installment loan.
Every Georgia rate, in one place
Set by Georgia law where the law sets it, posted in writing everywhere else. Open any loan for the full table.
Title Loans & Title PawnTitle pawn · 30-day periods
| Amount | 30-day charge | Total | APR* |
|---|---|---|---|
| $500 | $125 | $625 | 304.17% |
| $1,000 | $250 | $1,250 | 304.17% |
| $2,500 | $625 | $3,125 | 304.17% |
| $5,000 | $1,250 | $6,250 | 304.17% |
25% per 30 days for periods 1–3, then 12.5% per 30 days. Title is held, car stays with you. Redeem any time.
Title Loans & Title Pawn details →Installment LoansIndustrial loan · 3–24 months
| Term | APR range | $1,000 / mo | Total |
|---|---|---|---|
| 3 mo | 89% | $385.52 | $1,156.56 |
| 6 mo | 89% | $210.70 | $1,264.20 |
| 12 mo | 89–99% | $128.71 | $1,544.52 |
| 24 mo | 99–129% | $88.20 | $2,116.80 |
Maximum $5,000. Georgia's most-used Bears Lending product because payday loans aren't permitted.
Installment Loans details →Line of CreditOpen-end credit · no term
| Limit | Daily rate | APR* | Min. payment |
|---|---|---|---|
| $200 | 0.75% | 273.75% | $25 |
| $500 | 0.75% | 273.75% | $25 |
| $1,500 | 0.70% | 255.50% | 5% |
| $3,000 | 0.65% | 237.25% | 5% |
Rate tiers by limit. Interest accrues only on drawn balance. Limit reviews every 6 months for increases.
Line of Credit details →Personal LoansIndustrial loan · 6–36 months
| Term | APR range | $3,000 / mo | Total |
|---|---|---|---|
| 6 mo | 17.99–35.99% | $526–$552 | $3,156–$3,312 |
| 12 mo | 17.99–35.99% | $275–$300 | $3,300–$3,604 |
| 24 mo | 17.99–35.99% | $150–$176 | $3,594–$4,235 |
| 36 mo | 17.99–35.99% | $108–$137 | $3,904–$4,932 |
Maximum $5,000. Age 18+. Fixed rate for the full term.
Personal Loans details →Bad Credit LoansIndustrial loan · 6–18 months
| Term | APR | $1,500 / mo | Total |
|---|---|---|---|
| 6 mo | 59% | $291.42 | $1,748.52 |
| 12 mo | 69% | $176.00 | $2,112.00 |
| 18 mo | 79% | $139.82 | $2,516.76 |
Maximum $3,000. Same-day funding online or in store.
Bad Credit Loans details →Debt Consolidation Loans12–36 months
| Credit band | APR | $4,000 / 24 mo | Total |
|---|---|---|---|
| 660+ | 17.99–28.99% | $199–$220 | $4,776–$5,280 |
| 600–659 | 29.00–35.99% | $220–$234 | $5,280–$5,616 |
| Under 600 | 59–79% | $278–$322 | $6,672–$7,728 |
Maximum $5,000. Title pawn balances can be included.
Debt Consolidation Loans details →Pawn LoansPawnbroker · 30-day periods
| Borrow | Charge | Redeem | APR* |
|---|---|---|---|
| $200 | $50 | $250 | 304.17% |
| $500 | $125 | $625 | 304.17% |
| $1,500 | $375 | $1,875 | 304.17% |
| $5,000 | $1,250 | $6,250 | 304.17% |
25% for periods 1–3, then 12.5% per period, same as title pawns. Items held a minimum of 30 days after default.
Pawn Loans details →Check CashingCheck casher license
| Check type | Fee | $1,000 check | State cap |
|---|---|---|---|
| Payroll | 2% | $20 | 3% |
| Government | 2% | $20 | 3% |
| Tax refund | 2.5% | $25 | 5% |
| Personal | 5–10% | $50–$100 | 10% |
Georgia caps payroll and government checks at 3%. Photo ID required.
Check Cashing details →Six rules every Georgia borrower should know
Title pawns, not title loans
Georgia regulates vehicle-secured loans under its pawnbroker statute. You keep the car; the pawnbroker holds the title. Redeem any time.
25% → 12.5% step-down
Title and item pawns charge up to 25% per 30-day period for the first three periods, then up to 12.5% per period after. Paying down principal reduces every future charge.
Installment loans to $5,000
Licensed under the Georgia Industrial Loan Act with rate caps by term. Installment is Georgia's most-used Bears Lending product.
Right to cure
Before any repossession on a title pawn, the pawnbroker must give written notice and a 30-day right to cure. Bears Lending sends notice by mail and text.
No payday loans
Georgia caps small-loan interest at levels that make payday lending illegal. Any "payday loan" offered to Georgia residents online is unlicensed.
Regulator
Georgia Department of Banking and Finance licenses industrial loan companies and check cashers; pawnbrokers are registered locally. Verify at dbf.georgia.gov.
9 Georgia locations
Every Georgia store offers title pawns, installment loans, lines of credit, personal and bad credit loans and check cashing. Item pawn is available at Waycross, Brunswick, Savannah, Statesboro and Valdosta.
Same hours at every store
One number reaches every Georgia store: (855) 555-0199. Ask for the nearest address, or apply online and choose a pickup store.
Licensed and regulated in Georgia
Georgia Department of Banking and Finance
Our Georgia regulator. Every license above can be verified on the department's public lookup, and complaints can be filed there directly.
dbf.georgia.gov · 1-770-986-1633
All state licenses →Does Bears Lending offer payday loans in Georgia?
No — Georgia law doesn't permit them. Georgia stores offer title pawns, installment loans, lines of credit, pawn loans, personal and bad credit loans and check cashing.
What is a title pawn?
A loan secured by your vehicle title under Georgia's pawn statute. You keep driving the car; we hold the title. 25% per 30 days for the first three periods, 12.5% after. Title pawn details →
How much can I borrow in Georgia?
Up to $5,000 on a title pawn, pawn loan, installment or personal loan; up to $3,000 on a line of credit; up to $3,000 on a bad credit loan.
Can I apply online in Georgia?
Installment, personal, bad credit and debt consolidation loans are fully online with same-day deposit. Title pawns, pawn loans and check cashing are in store; line-of-credit draws can go to your bank.
What happens if I can't repay a title pawn?
Renew by paying the charge, or pay down principal. If a pawn goes unpaid, you receive written notice and a 30-day right to cure before any repossession. Details →
Where are the Georgia stores?
Nine stores: Waycross, Brunswick, Kingsland, Statesboro, Savannah, Valdosta, Douglas, Jesup and Blackshear. Call (855) 555-0199 for the nearest address.
Georgia, no payday loans —
and no need for them.
Title pawns to $5,000 with no credit check, installment loans funded the same day, and a line of credit you open once. Nine stores across South Georgia.
- Keep your car
- Same-day funding
- No credit check options
- Licensed by Georgia DBF
Waycross · Brunswick · Kingsland · Statesboro · Savannah · Valdosta · Douglas · Jesup · Blackshear
Store hours