Use your paid-off vehicle as collateral and keep driving it. The amount is based on your car's value, not your credit, and the title comes back to you — with a lien release — the day the loan is paid in full.
Four steps, all in store, about 30 minutes. You drive in and drive out the same way — the only thing we keep is the paper.
Bring the vehicle, the lien-free title in your name and a photo ID. We check mileage, condition and market value in about 10 minutes.
The offer is based on the vehicle's value, not your credit. Take any amount from $500 up to the offer.
We hold the title only. You keep the car, the keys and the insurance. Fee and due date are printed on the agreement.
Pay in full and the title is handed back in store with a lien release the same day. Need more time? Renew for another 30 days.
We lend a percentage of wholesale value, not retail. That protects you from over-borrowing against a car you rely on.
| Vehicle | Wholesale | Offer | 30-day fee |
|---|---|---|---|
| 2012 compact, 140k mi | $3,200 | $1,500 | $375 |
| 2016 sedan, 95k mi | $5,800 | $2,800 | $700 |
| 2018 SUV, 70k mi | $11,000 | $5,000 | $1,250 |
| 2020 pickup, 40k mi | $22,000 | $5,000 | $1,250 |
Georgia structures vehicle loans as title pawns under the state pawn statute; Alabama as title loans under the Small Loan Act. Florida stores do not offer title loans.
| 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.
| 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 month. Renewable monthly by paying the charge. Borrowers must be 19+. 30-day right to cure before any repossession.
*APR assumes a 30-day term. A title loan carried for many months becomes expensive — the Georgia step-down to 12.5% after 90 days helps, but an installment loan may still cost less. Loans subject to approval, state law and your written agreement.
The car is collateral. Bears Lending has a 30-day right-to-cure policy and never repossesses without written notice — but the safest title loan is one you pay down each period.
Georgia's title pawn law rewards paying down principal. Here's what a $2,000 pawn looks like two ways.
You pay $500 per 30 days for three periods, then $250 per period. After 6 months you've paid $2,250 in charges and still owe $2,000.
Each renewal you also pay $400 toward principal. Charges shrink as the balance falls; the loan is gone in 5 months and total charges are about $1,400 less.
Title loans are secured by the vehicle, so we don't pull credit or verify income. We do confirm the title is clean and the VIN matches. If your title has a lien on it, we can't lend against it — an installment loan is the alternative.
Both are secured, no-credit-check loans on a 30-day term. The collateral is the difference.
| Feature | Title loan | Pawn loan |
|---|---|---|
| Collateral | Vehicle title | Item of value |
| Keep using the collateral | Yes — keep driving | No — item stays with us |
| Amount | $500 – $5,000 | $200 – $5,000 |
| 30-day charge | 25% | 25% |
| If you don't repay | Repossession after notice | Item is forfeited, no debt |
| Time to cash | 30 min | 10 min |
| States | GA, AL | FL, GA, AL |
If losing the collateral would hurt, a pawn loan on a non-essential item is the safer secured option. Title loan vs pawn loan →
I've done two title pawns with the Waycross location. Bears Lending let me keep driving my truck both times, and the title was handed back to me the same day I paid off. Honest people, fair terms.
Most places just want you to renew. The Brunswick store walked me through the 25% → 12.5% thing and told me to throw $300 at principal each month. Paid off a $2,500 pawn in four months.
Specific to this loan. For everything else, see the full FAQ.
Yes. You keep and drive the vehicle for the full term. We hold only the title, and it's handed back in store with a lien release the day the loan is paid in full.
$500 to $5,000, up to about 50% of the vehicle's wholesale value. The offer is set at a 10-minute inspection.
Neither. The loan is secured by the vehicle. We confirm the title is lien-free and in your name.
25% of the amount per 30-day period. In Georgia the charge drops to 12.5% per period after the third period. Paying down principal reduces every future charge.
No. The title must be lien-free. If you're still paying off the car, an installment loan → is the option.
You can renew by paying the charge, or pay down principal. If a loan goes unpaid, we send written notice and a 30-day right to cure before any repossession. Details →
Georgia regulates vehicle-secured loans under its pawn statute, so the legal name is title pawn. It works the same way: you keep the car, we hold the title.
No credit check, 30 minutes in store, title back the day you pay off. Georgia and Alabama stores.
Lien-free title · the vehicle · photo ID · proof of residence. Age 18+ (GA) or 19+ (AL).
Store hours
Bears Lending