Auto Title Loan: Frequently Asked Questions

We are proud to have been the leading title loan provider for Northeastern Florida and Southeastern Georgia for over 20 years! In order to get a title loan with Jacksonville Title, you will need to visit our convenient location located in Kingsland, Georgia.

If you are familiar with the Kingsland, Georgia area, our office is conveniently located in front of Publix and the Camden Woods Shopping Center.

If you are traveling from Florida, did you know that Kingsland is only 20 minutes North of the Jacksonville International Airport? After just a quick drive, you can get the cash that you need in just minutes! We have many customers that travel from Florida to Georgia to get a title loan because you cannot get a traditional title loan in Florida – avoid hidden fees and the headache of these companies that require a credit check and other additional steps that we do not require with a title loan from Jacksonville Title. A title loan is a loan in which you receive the money based upon the equity that you have in your vehicle, not your credit history! At Jacksonville Title, we make approvals easy and hassle free and have been assisting customers just like you have access to the money they need with a title loan from Jacksonville Title!

Kingsland Branch:

1603 GA HWY 40 East

Kingsland, Georgia 31548

When you get a title loan from Jacksonville Title, you only have to come to one of our branches to open your title loan and you will leave with the money for your loan in just minutes with your initial visit. For your convenience, we have a variety of ways for you to make your payments or pay off your loan from the convenience of your home and we can even certify mail your physical title back to you at the completion of your loan if you prefer!

Need help deciding which location is closest and most convenient for you? Simply call our friendly title loan representatives at (904) 880-2274 or (904) 353-2274 and we will help you determine which branch is conveniently located for your title loan approval!

A title loan is an easy and hassle-free way to get the money that you need, for whatever you need without the traditional inconveniences that come with a traditional loan. With a title loan, you need just a few documents for your approval, and you receive a short-term loan against the equity that you have in your vehicle, using your vehicle title as the collateral for your loan! We never check your credit, and your credit never plays a factor in your approval for a title loan with Jacksonville Title!

Since title loans are traditionally a short-term loan, your repayment terms for the account with Jacksonville Title are very simple. In Georgia, the title loan is a 30-day pawn transaction and there are no strict end dates for when the loan has to be paid back but like any other financial obligation, the longer that you have an outstanding balance, the more money you will end up paying for that transaction. If you are unable to repay the full payback of the pawn at the end of your 30-days, you will just simply pay the finance charge as indicated on your pawn agreement. At Jacksonville Title, we strongly encourage customers to pay more than the minimum payment to reduce the outstanding principal balance of their title pawn and reduce the finance charge for the additional 30-days.

Title loans are a simple and easy way to gain access to an unconventional line of credit. With Jacksonville Title, your initial application will be approved based upon the equity that you have in your vehicle. Once you establish an account with Jacksonville Title, you are able to increase your borrowing power and your line of credit based upon your payment history. We have a number of programs that allow for our customers to qualify for increased amounts with future accounts that they open with our company.

Vehicles are a common asset that most of America owns and you have equity in your vehicle regardless of the condition. At Jacksonville Title, we make it easy for customers to access the equity that they have in their vehicle by exchanging your title for a short-term title pawn transaction that helps you get the cash that you need easy and pain free. The borrower has the power in the title loan transaction as they are able to decide the length of time that they take to payback the title loan with Jacksonville Title.

Still have questions? We have the answers! Call our friendly team at (904) 880-2274 to help answer any questions you may have regarding applying and getting approved for your title loan today! We look forward to assisting you!

The repayment of a title loan will ultimately depend on how long you have an outstanding balance for your title loan. Since a title loan is meant to be a short-term option, the total cost of borrowing is dependent upon the borrower. Title loans are meant to be 30-day loans but can be extended or renewed with the borrower paying the accrued interest for the transaction to extend the transaction for an additional 30-days. This can be done as long as the borrower needs. At Jacksonville Title, we always encourage our customers to pay more than their minimum payment every due date to reduce their outstanding balance and the finance charge for the additional 30-days.

With title loans, the standard finance fee for a 30-day period is $25 for every $100 that you borrow so if you borrow $500, you will have a finance fee of $125 for every 30-days. At the end of the 30-day period, you can pay the $625 in full to payoff your account, pay the $125 interest accrued or pay more than the $125 to reduce the balance of your title loan. Whatever you pay over the interest of $125 will reduce the principal balance and in return reduce the finance fees that you would accrue for the following 30-day period. For example, if you pay $225 instead of the $125 minimum, you will reduce your principal balance of your title loan to $400, the finance charge on the new principal balance of $400 is only $100 and your payoff would be $500 for the following 30-day period.

At Jacksonville Title, did you know that we also have a 30-day interest free program? This is a great option for first-time customers! What is great about the 30-day interest free program at Jacksonville Title is that the promotion is valid for the life of the loan so you do not have to pay off within the first 30-days to take advantage of the program, it is valid for the life of your loan and we will waive the last 30-days of interest when you pay off your title loan!

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 Jacksonville Title in order to receive the promotion. Promotion must be requested to a Jacksonville Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Have questions? We have answers! Call now to speak to a Jacksonville Title representative at (904) 880-2274 or get preapproved over the phone or if you prefer, you can submit your information on our website to get an instant email quote for your title loan!

Although a title loan is meant to be a 30-day loan, you do not have to pay back your title loan within the first 30-days. Like any other financial obligation, the longer that you have an outstanding balance on your account, the more you will end up repaying that loan. With a title loan, you have the option to pay out within the first 30-days or pay at least the minimum payment of the interest to extend the loan for an additional 30-day period. You can keep the account active as long as you need to, just keep in mind that the longer that the account remains open, the more interest you will accrue for the transaction. We always encourage our customers to pay more then their minimum payment of the interest, when they can and if they can to reduce the outstanding principal balance and in return the finance charges for their title loan for the following 30-day period.

At Jacksonville Title, did you know that we also have a 30-day interest free program? This is a great option for first-time customers! What is great about the 30-day interest free program at Jacksonville Title and you will not find from other title loan lenders is that the promotion is valid for the life of the loan so you do not have to pay off within the first 30-days to take advantage of the program, it is valid for the life of your loan and we will waive the last 30-days of interest when you pay off your title loan!

30-day Interest Free; Not all customers will qualify for 30-day 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 Jacksonville Title in order to receive the promotion. Promotion must be requested to a Jacksonville Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Do you want to learn more about getting a title loan or have additional questions? Call Jacksonville Title now to speak to one of our friendly representatives at (904) 880-2274.

Since Jacksonville Title has been a leading title loan provider for both the Southeastern Georgia and Northeastern Florida areas for over 20 years, we are able to service both Georgia and Florida residents in our branches! If you reside in either Georgia or Florida, Jacksonville Title is the title loan lender for you, and you will not have an issue receiving a title loan with your Florida or Georgia Title.

In 2013, the State of Florida transitioned from only paper titles to electronic titles or e-titles. At Jacksonville Title, we are able to assist customers with both paper and electronic titles so if your title is already an e-title, do not worry, Jacksonville Title can still assist you with getting a title loan today! You do not need to go to your local DMV and pay the $10.00 fee that the State of Florida charges to produce a papered fast title, all you need is your registration and if your title is an e-title through the State of Florida, we can get your title loan approved with just the e-title! If you do not have an e-title, your paper title from the State of Florida will work as well!

Like Florida, Georgia has also incorporated the use of electronic titles (also referred to as e-titles) as well so we are able to accept electronically held titles through the State of Georgia to approve your title loan! Just bring your registration instead of your title and we will be able to process your application using only your registration if your title is electronically held through the State of Georgia. If you do not have a State of Georgia e-title but hold a paper title from the State of Georgia, this will work for your proof of ownership of the vehicle and your application can be processed and approved with your paper title.

Still have questions? Feel free to call our friendly Jacksonville Title Representatives to get the answers that you need at (904) 880-2274! We look forward to assisting you!

Title Loans are easy to payback with Jacksonville Title. When you open your account, a Jacksonville Title Representative will explain the exact terms of your transaction with the branch. In general, title loans are meant to be a 30-day pawn transaction and paid back within the first 30-days however if you are unable to payback the full balance at the end of the 30-days, you have the option to pay just the accrued interest as disclosed in your pawn transaction agreement. Keep in mind that only paying the minimum payment of your transaction will cover all of the accrued interest for the first 30-days and extend the transaction for another 30-day period. We always encourage our customers to pay more than their minimum payment to extend the transaction for an additional 30-day period. When you pay more than the minimum payment on your title loan, you will be reducing the outstanding principal balance and in return, reduce the amount of interest that is accrued for the next 30-day period. The due date for your title loan will be based upon the day that you are approved and receive your funds. Since Jacksonville Title has a branch that you will visit to complete your application and receive your funds for your title loan, the entire process can be completed in as little as 20 minutes or less and you will leave the office with the funds for your title loan.

At Jacksonville Title, did you know that we also have a 30-day interest free program? This is a great option for first-time borrowers! Jacksonville Title is the only title loan lender that has a 30-day interest free promotion that is valid for the life of the loan so you do not have to pay off within the first 30-days to take advantage of the program, it is valid for the life of your loan and we will waive the last 30-days of interest when you pay off your title loan!

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 Jacksonville Title in order to receive the promotion. Promotion must be requested to a Jacksonville Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Want to know more about the payback of a title loan or our 30-day Interest Free Promotion? Call our friendly Jacksonville Title representatives at (904) 880-2274 to start your title loan application over the phone or answer any questions that you may have!

Title loans or title pawns accrue interest based upon the length of time that the account has an unpaid principal balance for the transaction. The term for a title loan is a 30-days. At the end of the 30-days, the borrower can pay the total title loan back or pay at least the minimum payment of the accrued interest to extend the transaction for an additional 30-day period. The finance fee for a standard pawn transaction is $25 per every $100 borrowed, for each 30-day period that the pawn is active. The total cost of borrowing is ultimately unique for every customer because it ultimately depends upon how long the borrower takes to repay the entire transaction. If the borrower is unable to repay the pawn transaction within the 30-day period, we always recommend paying more than your minimum payment with each payment, when you can to reduce the outstanding principal balance of the pawn transaction which will also reduce the amount of interest that you will pay for the following 30-day cycle and will assist with a quicker repayment of the pawn transaction and a lesser total cost of borrowing.

Did you know that we also have a 30-day interest free program at Jacksonville Title? This is a favorite option for our first-time customers! What is great about the 30-day interest free program at Jacksonville Title and you will not find from other title loan lenders is that the promotion is valid for the life of the loan so you do not have to pay off within the first 30-days to take advantage of the program, it is valid for the life of your loan and we will waive the last 30-days of interest when you pay off your title loan!

30-day Interest Free; Not all customers will qualify for 30-day 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 Jacksonville Title in order to receive the promotion. Promotion must be requested to a Jacksonville Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Have questions? We have the answers! Call our friendly staff at (904) 880-2274 to get the answers to the questions you have! We look forward to assisting you!

With a title loan, although the loans themselves are meant to be short-term 30-day repayment of the transaction, you are not required to payback the full amount borrowed plus the accrued interest on the maturity date. We do advise our customers that paying the loan in full within the first 30-days is the best and lowest costs that they will receive with a title loan, but it is not required. If you are unable to payback your title loan at the end of the 30-day period, you just have to pay at least your minimum payment, which is the interest accrued, to extend the pawn transaction for another 30-day period. Paying more than your minimum payment will reduce the outstanding principal balance and the interest due for the consecutive 30-day period.

Most customers are unable to payback their title loan within the first 30-days so if you find yourself unable to do so, do not worry, you are not alone! At Jacksonville Title, we can work with you as long as you need to keep the account open, just remember that only paying the minimum payment with any title loan is only going to pay the accrued interest and not reduce the balance that you owe. Whenever you can, we always recommend that our customers pay over the minimum payment to reduce the balance and the consecutive payments for their pawn transaction.

If you are a first-time borrower, you could qualify for our 30-day Interest Free Promotion which is valid for the life of your loan with Jacksonville Title! This means that if you are unable to payback your title loan within the first 30-days, you are not alone! When you are ready to payoff your title loan, Jacksonville Title will waive the interest due (up to 30-days) for your final payment, allowing you to only pay back your current principal balance and get your title back! Most companies that offer similar promotions, require you to payoff within the first 30-days in order to receive the promotion but at Jacksonville Title, we understand that it is not always possible to payoff your account within those first 30-days which is why we offer this promotion and allow all first-time borrowers to have this promotion be valid throughout the life of their account with us.

30-day Interest Free; Not all customers will qualify for 30-day 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 Jacksonville Title in order to receive the promotion. Promotion must be requested to a Jacksonville Title representative prior to the completion of your Motor Vehicle Pawn Transaction in order to qualify. Promotion only valid one (1) time, per customer.

Have questions? Jacksonville Title can help you get a title loan in just minutes! Call our friendly staff at (904) 880-2274 to get the answers to the questions you have! We look forward to assisting you!

Bad Credit? No Credit? NO PROBLEM! At Jacksonville Title, your credit never plays a factor in your ability to be approved or receive a title loan. In fact, Jacksonville Title never checks your credit at all – not even throughout the application process! We know how difficult it can be to get the money that you need sometimes and how stressful and overwhelming applying for a traditional loan can be. You are more than a credit score at Jacksonville Title! The equity that you hold in your vehicle and your ability to repay your title loan is what will determine your approval amount.

With a title loan, you are applying for a loan in which your vehicle, not your credit is the determining factor in if you qualify. When you get a title loan with Jacksonville Title, you are allowing us to secure a lien on the title to your vehicle which is the collateral for your transaction with Jacksonville Title. The lien is secured, just like a lien is secured when you buy your vehicle at a dealership and a finance company or your bank gives you a loan to purchase the vehicle. The difference between a title loan and auto financing loan is that typically with auto financing loan, you are purchasing a vehicle and when you get a title loan, you are receiving a loan for a short-term transaction that allows you to access the equity that you have in your vehicle. In fact, we have programs that allow for you to receive a title loan even when you are still paying your existing lienholder!

No matter whatever reason you need to access the equity that you have in your vehicle, Jacksonville Title is able to help you! Call our friendly and knowledgeable Jacksonville Title representative now at (904) 880-2274 to answer any additional questions that you may have! We look forward to assisting you!

YES! With a title loan, although they are traditionally a title pawn, you are pawning the title to your vehicle, not your vehicle yourself so the title pawn does not work like your traditional pawnshop. When you open your account with Jacksonville Title, you will keep your car and we will keep your title since the title is the security for your title loan, it is just that simple and you can continue using your vehicle like you normally would before receiving your title loan.

Not keeping your vehicle in your possession is a commonly misunderstood assumption when it comes to receiving a title loan. Since most title loans are actually a title pawn, the vehicle is ultimately the collateral for your title loan. At Jacksonville Title, we understand that it would be rather difficult to continue living life without access to your vehicle since we all rely on our vehicles to help us and our families throughout the day as we live our lives. At Jacksonville Title, we are here to help you, not hinder you from being able to get the things done that you may need to get done which is why we make it easy to qualify for a title loan to assist our customers with fast cash access to the equity that they have in their vehicle!

We want to help you get the fast cash with a title loan today! Call our friendly and helpful staff at (904) 880-2274 to answer whatever questions you may still have! We look forward to assisting you!

Never! At Jacksonville Title, we strive to make it easy on our customers to gain access to the cash they need using their vehicle as collateral. Most companies require additional steps to be taken when receiving a title loan including requiring the borrower to surrender a spare key to their vehicle in addition to their title. Keys can be expensive, especially the fancy new keys that are standard these days! We never require a spare key for customers to get approved for a title loan with Jacksonville Title! In fact, all you need to secure your approval on your title loan are just 4-5 items, some of which you already have on you at any given time! To get a title loan with Jacksonville Title, you just need to provide us with your Photo ID, Title or Registration (registration if your vehicle is titled electronically), Proof of Income, Proof of Residency (Have your bank statement? Your most recent bank statement will serve as both your proof of income and proof of residency), and your vehicle for a quick 5-minute inspection!

Call our staff at (904) 880-2274 to get pre-approved over the phone!

At Jacksonville Title, we are able to approve your title loan on all vehicles regardless of the age or the condition of your vehicle! Ultimately, the value of the vehicle will be factored into the amount that you will be able to be approved for on your title loan but as long as your vehicle is in working order and can be driven to one of our local branches for a quick 5-minute inspection, we will be able to process your title loan on your car, truck, SUV, or van. Some customers think that the title loan inspection is a thorough process but that is not the case and our representatives do not mind if you skip the wash and detail on your vehicle prior to our title loan vehicle inspection so save yourself some time and money and bring your required documents for approval along with your vehicle just the way that is for your easy title loan approval at Jacksonville Title!

Even vehicles with minor body damage can get approved with Jacksonville Title! Does your vehicle have dents, dings, cracked windows, or damage from a fender bender and that has you concerned that your application will be denied because your vehicle is not in perfect condition? We assure you that at Jacksonville Title, this will not prevent you from getting a title loan! We understand that these inconvenient frustrations on one of the largest and necessary personal assets that every owns way too common and expected on most vehicles since we all spend so much time and rely on our vehicles so much. At Jacksonville Title, we value our customers and their business, we are not a vehicle resale business, so we are able to approve title loans for our customers only using the title to the vehicle as collateral for the transaction, so we are not looking for our customers to have only vehicles that are in perfect condition to grant our approvals for title loans.

If you are concerned or worried about any damages to your vehicle and that is stopping you from getting the cash you need today for your car title, call our friendly representatives from Jacksonville Title today at (904) 880-2274. Our representatives will gladly provide you with an email address where you can send over some vehicle pictures before you visit your local branch to complete your title loan application and get a preapproved quote after doing a remote inspection on your vehicle! Call us today! (904) 880-2274.

At Jacksonville Title, we do not have a mileage cut off for our title loans. Regardless of the amount of miles your odometer reads, you can get approved in just minutes for the cash that you need today! Although we will collect the mileage of your vehicle during our quick and easy 5-minute vehicle inspection for your title loan application, your vehicle having high or low mileage, will only play a factor in determining the vehicle value for your title loan approval, not if your application is approved or denied! We make it easy to use the equity that you have in your automobile to get your auto title loan approved today!

Honestly, we all use our cars a lot! Between driving back and forth to work every day; taking the kids to school, the park, soccer practice, birthday parties; trips to the grocery store or family dinners; fun beach days at the local beautiful beaches; or those fun family vacations out of town – we are always putting more miles on our vehicles because they are our reliable forms of transportation to all things that happen in our lives and those miles add up! If we all had vehicles with low miles on it, all the time, we would never get out from under the interest payments of our auto loan financing so instead, we keep the car that we love and love it as long as we can! We have equity in our vehicles, because they are our transportation throughout life and at Jacksonville Title, regardless of the amount of love and memories your have made on these daily trips, these miles add up and you can still access the equity that you have in your vehicle and get approved for a title loan today!

Do you want to know how much you can get approved for a title loan today with Jacksonville Title? Simply fill out the few fields that we have on our instant preapproval quote to get your answer or call one of our friendly Jacksonville Title Customer Specialists at (904) 880-2274 today for your easy and hassle-free online quote! We look forward to assisting you!

If you receive or deposit your income into your bank account, your most recent bank statement can work as both your proof of residency and proof of income document required for your title loan application, however your bank statement, even without your income being deposited into it can also be used as proof of residency. A statement for a loan or some type of revolving credit, such as a credit card, can also be used as proof of residency.

Proof of residency can be provided using regular service bills for your place of residence, in your name. Other acceptable forms of proof of residency can be your phone, electric, gas, internet, cable, satellite, insurance, etc. When you provide your bill for proof of residency, we are verifying the name on the statement matches the name on the application and the address provided. We do also verify the date of issue of the bill to ensure that the most recent service bill is being provided for the validation of the residency on your application. Since with a title loan, at Jacksonville Title, a traditional credit check is not completed to approve your loan request, we utilize this proof of residency document in lieu of the credit check in order to approve your loan.

Sometimes, we do have applicants that do not or have not received their first service bill because they have recently moved, this is ok, and we will work with you to get your title loan application approved. If you have a recently issued lease because of this, we are also able to accept this lease as your proof of residence.

Some customers are still unable to produce documentation sufficient to provide proof of residency. We do allow for a cosigner on your title loan application to supplement this required document if that is an alternative route that you need to do in order to complete your title loan application. Having a cosigner on your title loan application is not a requirement but just another way that we try to work with our customers to get their title loan application approved.

If any of your documents are available electronically because you no longer have the physical document that was mailed to your residence, our representatives can assist you with producing the paperwork needed in office. We have many applicants that email the document or ask for our staff to print the document and that is not a problem at Jacksonville Title, we always strive to provide the best customer experience to make the application process for the title loan process as hassle-free as possible.

If, for some reason, you are unable to produce any of the required documents needed for proof of residency, we can still try to still assist you, please give our friendly representatives a call at (904) 880-2274 to discuss what documentation you have available to know how we can assist you with getting your title loan approved! We look forward to assisting you!

Proof of income can vary by employer, at Jacksonville Title, we understand that and will work with you on getting your title loan application approved. Typically, for proof of income we ask to see a paycheck stub, a bank statement with direct or regular deposits, a copy of your paycheck from your employer, or in some circumstances, an award letter for your supplemental income, an official letter from your employer if it is provided on company letterhead and you are unable to provide proof of income from a traditional means.

If you are self-employed, we can still assist you with getting your title loan application approved! If you do not have a personal bank account that you typically deposit your earnings into, we can accept your business bank account as proof of income, provided you are able to also prove ownership of the business for the account that you are providing. We are also able to accept a profit and loss statement for the business as well for proof of income along with the proof of ownership of the business in which you are providing proof of income for.

Proof of income is not always required for all loan programs at Jacksonville Title! We have various programs that allow us to assist all customers without the hassle of proving proof of income for their title loan application is approved. Although we are able to work with all applicants, if you are looking to receive a title loan for the max amount that would qualify for, we would need proof of income to get you approved for your max amount. Our no income loan programs are designed to assist applicants gaining the approval for the title loan but will be more restrictive for the amount approval than what we would if you were able to provide proof of income throughout the application process.

Just started your job and you have not received your first paycheck? No problem! We do typically require that you have been on your job for at least 30-days to factor in your income into our title loan products however, we can approve your title loan application with one of our no income loan programs and after you have received your paycheck and have been employed with your current employer for 30-days, we can increase your title loan approval amount and increase your title loan with Jacksonville Title. This gains you access to some of the cash that you need now and access to additional cash after you meet our 30-day income requirement! We have a lot of customers that utilize these programs to assist them with unexpected expenses that always pop up in life!

If you have any questions or doubts about if Jacksonville Title can accept your proof of income or want to learn more about our no income programs, call our friendly and helpful customer service representatives at (904) 880-2274! We look forward to assisting you!

Cosigners are absolutely a possibility with Jacksonville Title! Common reasons that our customers utilize a cosigner on their title loan is because of dual ownership of the vehicle, supplemental income, proof of residency, or shared financial responsibility with the repayment of the title loan. In many cases, we can allow for a cosigner on a title loan application without the cosigner actually being a registered owner of the vehicle, so you do not need to go to your local DMV to add your cosigner on the title of your vehicle in order for them to be added as a cosigner on your title loan application.

Dual Ownership

A vehicle with dual ownership can be tricky – just because the vehicle is dually owned, does not necessarily mean that the co-owner is required on your title loan application. On the title, what you will need to pay attention to is the way that the names are joined. If the names for the owner of the vehicle are joined by ‘OR’ this separation of the names grants either party the ability to apply for a title loan, using the vehicle as collateral. If the names for the owner of the vehicle are joined by ‘AND’ or even sometimes, nothing at all to connect the two names, this requires both parties to be the applicants for the title loan application.

Supplemental Income

Cosigners are frequently added to a title loan application to provide additional proof of income in order for your title loan application to be approved for the maximum amount that you need. Like in most financial applications, the amount of income that you have coming in allows for a larger loan amount approval for the repayment of the transaction so having a cosigner to provide additional income for your application is frequently done.

Proof of Residency

Proof of residency is another common reason that applicants have a cosigner added onto their title loan application with Jacksonville Title. We do require that if you have a cosigner for proof of residency and your cosigner is the one providing the documentation for proof of residency, you and your cosigner must reside at the same residence.

Shared Financial Responsibility

Sometimes, our applicants have a shared responsibility for the repayment of the title loan, and this requires a cosigner on the account. Regardless of the reason, we always encourage title loan borrowers when working with family or a friend to assist them in a financial need that both parties are applicants and account holders on the title loan. This allows for both parties to be recorded on the title loan paperwork and makes it easier for either borrower to communicate with the company in regards to the status of the account as well as make payments and payoff the title loan without placing all of the burden on the one account holder.

Want to know more about applying for a title loan with a cosigner? Call us today at (904) 880-2274 to allow one of our friendly and helpful customer service representatives assist you with your title loan application questions! We look forward to assisting you!

At Jacksonville Title, we offer title loans for both Georgia and Florida customers. Both states offer an electronic title (or e-title) to vehicle owners. We have the ability to accept and approve title loans using your e-title so there is no need to visit your local DMV to obtain the paper copy for your vehicle to complete the application process for your title loan.

If you currently have an e-title through either state, there are one of two documents that you can bring in to provide proof of ownership for your vehicle instead of your title for you title loan application. We will just need to make a copy of one of the documents and will not keep the document, like we would typically do with a paper title. You will need to provide either your current registration or your title work receipt that you would have received from the DMV when you purchased your vehicle or last made a change to your title at the DMV. Most customers do not always keep up with the latter of the two options, so your registration is typically what we see customers provided in the event that their title is an electronic title.

If you are unsure if you have a paper copy or an electronic title, our representatives at Jacksonville Title can assist you with determining this for you. If you want to call our representatives at (904) 880-2274 to find out, you will need to just provide us with your Vehicle Identification Number (commonly known as your VIN) or your title number and we can pull up the records for your vehicle and help you to determine if you have a paper copy of your title or the electronic title in your state.

With a title loan, you are receiving a loan against the equity that you hold in your vehicle. As part of the application process, we do require a quick 5-minute inspection of the vehicle and for your vehicle to be in working, drivable condition to one of our local branches. Since you will have to travel in your vehicle to one of our locations, we do require that the vehicle be currently registered since you will have to operate and drive your vehicle to our location. If your registration is about to expire, we do not require that you renew your registration and have a valid registration for an extended period to qualify so do not worry about renewing your registration early if this is the case.

In some cases, we have had customers apply for a title loan at Jacksonville Title and they unknowingly had a recently expired registration on their vehicle, this does not mean that your title loan application is automatically denied until you are able to renew the registration of your vehicle. If your registration is extremely expired (by many months and in some cases, years), we will be unable to approve your title loan application until your registration is renewed. We have assisted customers with a title loan approval in the event that they need to renew their registration and that is the reason that they are applying for a title loan.

If you have any questions about the registration requirements for your title loan application, please call our friendly and helpful staff at (904) 880-2274 today. We look forward to assisting you!

At Jacksonville Title, we do not have a minimum year requirement that your vehicle has to meet in order to receive approval on your auto title loan. We are able to accept all years, makes and models for our title loan applications.

On our instant email quote application on our website, the options on our website are restricted to 1991 or newer but there is no actual restriction for the vehicle year. If you have a vehicle that is 1990 or older that you are looking to receive an auto title loan on, we are still able to assist you! The service that we use for the integration of the vehicle values on our website is why the oldest vehicle you are able to select is limited to 1991 or newer.

Since the vehicle is the collateral for your title loan, we will be using the current value for your vehicle as part of the determination factor of how much of a loan you will qualify for with your title loan. If your vehicle is an older model, classic car we are able to determine this within your inspection and are able to pull the value for your classic car. We are not limited to just a one size fits all for determining the value and the amount of equity that you have in older aged vehicles due to this!

Want to know how much you could receive today with an auto title loan with Jacksonville Title? Simply fill out the instant quote application on our website to receive your instant quote or call our friendly staff at (904) 880-2274 to get your over the phone preapproval! We look forward to assisting you!

You are required to have some level of car insurance on your vehicle in order to receive a title loan from Jacksonville Title. We do not require you to provide us with proof of insurance as part of the application process, however, we do ask for your insurance provider and policy number on your title loan application. Since we service both Georgia and Florida residents, and insurance is required to operate your vehicle and you need to drive your vehicle to our local branches at the time of your auto title loan application, we do require you to have some level of car insurance on your vehicle to receive your auto title loan with Jacksonville Title.

Unlike other title loan lenders, we will not require our customers to upgrade or maintain a full coverage insurance plan throughout the life of their account with Jacksonville Title. Some competitors will actually require you to have full coverage insurance or purchase a plan that they sell and add on additional fees and products to your title loan which does not help you in the long run because you are going to end up paying interest on the premium for the insurance policy since it is all factors into the principal balance of your loan. This is not a traditional title loan and does not allow you as the borrow to repay your account according to a schedule that works best with you. At Jacksonville Title, you have the flexibility to repay the title loan in 30 days or less, or as long as you need to keep the account active. Your principal balance on your account with Jacksonville Title will never exceed the amount of money that you receive from our branch for your auto title loan which means that you will only pay interest on the dollars that you receive from your title loan with us.

Call our friendly staff today at (904) 880-2274 if you have any additional questions! We look forward to assisting you!

If your vehicle is titled with ownership to two individuals, the way that the vehicle is titled is going to determine if both owners of the vehicle will be required to apply together for a title loan with Jacksonville Title. When there are two owners, this is referred to as a dual ownership or co-ownership of the vehicle. On the title, your registration or title work from your state, the way that the names are separated will determine how you will be able to proceed with your title loan application. There are 3 ways that the dual ownership can be reflected – with “OR”, “AND”, or no conjunction between the two names. Here is what the different conjunction means with regards to automobile ownership.

“OR”

The use of the conjunction “OR” to separate names for ownership of an automobile allows either owner to act alone in matters relating to the automobile in which is co-owned. So, if your vehicle is titled with ownership indicated as “OR” only one of the owners is required to complete the auto title loan application and appropriate paperwork needed to record the lien on the title for your auto title loan. If your title is joined by “OR” either party is eligible to apply or you can still apply for your auto title loan with both owners, the choice is yours.

“AND”

The use of the conjunction “AND” to separate names for ownership of an automobile requires both owners to act together at all times in matters relating to the automobile in which is co-owned. So, if your vehicle is title with ownership indicated as “AND” both owners are required to complete the auto title loan application and appropriate paperwork needed to record the lien on the title your auto title loan. If your title is joined by “AND”, both parties are required through the use of our co-signer program for your auto title loan.

No Conjunction between Owners

If your title has both owners’ names listed and no conjunction to separate names for ownership of an automobile, then the use of “AND” is assumed and both parties are required to act together at all times in matters relating to the automobile in which is co-owned. If this is the case for your vehicle, both listed owners would be required to complete the title loan application through the use of our co-signer program for your auto title loan.

In the event that your title is dually owned and for whatever reason, only one of the owners wants to apply for a title loan and the names are not joined by “OR”, you can change the ownership to reflect the “OR” conjunction on the title, if both parties agree by going to your local DMV before applying for a title loan or the co-owner of the vehicle can sign over the ownership to the other party and process the appropriate paperwork at the local DMV to have the change of ownership processed through your state. Although this is uncommon, this is an alternative that you and the co-owner can do in the event that it is the best decision for you and the co-owner of your vehicle.

If you have any additional questions, Jacksonville Title would be happy to assist with getting you the answers that you need! Please call our friendly staff at (904) 880-2274! We look forward to assisting you!

At Jacksonville Title, we are able to still assist you with accessing the equity that you have in your vehicle, even if you are still financing your vehicle through our 2nd lienholder program. For this program, we will need to assess the amount of equity that you have in your vehicle so we will need your most recent billing statement from your lienholder to compare the amount that you owe to the value of your vehicle to determine the available equity that you have to qualify for this program. If you know your principal balance (or even an estimated amount), simply call our office at (904) 880-2274 to get a preapproval quote on how much you could receive today for your auto title loan with Jacksonville Title!

Here is what documents you will need to get your 2nd lienholder auto title loan with Jacksonville Title:

Registration or Title Receipt

In order to get approved for a title loan, the most important document that you need is your registration or receipt from the DMV with your vehicle information. This is a white piece of paper, similar to a title, that you would have received at the time that you first had the paperwork processed or the last change to your title through your local DMV.

Loan Statement/Proof of Residency

Since we do not have a traditional credit check, we do require proof of residency to complete your application for a title loan. As you are applying for a title loan with a vehicle that is still being financed, you will need to provide your recent account statement from your current lienholder. This statement will work for your proof of residency and will also provide us with the information that we need to determine the available equity that you have in your vehicle for your 2nd lienholder title loan.

Proof of Income

We have a number of programs to assist all applicants with getting approved for a title loan without proof of income, providing proof of income will increase the amount that you will be able to be approved for with Jacksonville Title, so we always recommend that you bring proof of income for your loan application. We can accept a traditional paycheck stub or a bank statement with direct deposit. In some circumstances, we can also accept an official letter from your employer as proof of income if it is provided on company letterhead and you are unable to produce a paycheck stub or bank statement to verify your income.

Photo ID

All applicants are required to verify their identity using a valid State or Government Issued Photo ID. Since most customers have a driver’s license or identification card issued from the state in which they reside, this is usually an easy one for our customers.

Your Vehicle

We will also need to see your vehicle in order to approve your title loan application. As part of the approval process, a representative of Jacksonville Title will need to complete a quick 5-minute inspection of the vehicle in which we gather pertinent information for your specific vehicle to pull the current value to determine the loan amount that you will qualify for. The inspection is a simple process and do not worry, there is no reason to wash and detail your car for this inspection!

If any of your documents are electronic statements, you do not need to go through the hassle of printing them out ahead of time! You can always email your documents prior to your visit to our branch and our representatives will print them out for you! We can also assist you in the branch if you need to access the accounts to produce the documents for your application if you prefer!

If you have any additional questions about the approval process or the documents that you need to get a title loan with Jacksonville Title, please call our friendly representatives at (904) 880-2274 and we will be happy to assist you with any questions you may have!