What You Need to Qualify for a Loan

1. Fill out a simple application.
   
2. You must be 18 years of age or older.
   
3. Your vehicle should be nearly paid off or have a clear title for your vehicle in your name.
   
4. You must have current vehicle registration in your name.
   
5. You must have a listed telephone number in your name or proof of residence.
   
6. You must have at least full coverage insurance; Nations Auto Pawn will be listed as
   the loss payee.
   

What We Will Do

1. We will review and process your application for a pawn loan.
   
2. Once we have approved your loan, we will call you to verify the pawn loan amounts, payment terms and funding options.
   
3. We will need to take possession of vehicle.
4. We will either fax or email all necessary documents to you for you to sign and send
   back to us.
   
5. As soon as we receive the necessary documents, we will fund your pawn loan.
   

Please note:
Your pawn loan will be due 30 days from the date we fund your loan. If you wish to refinance your pawn loan, you must contact us at 941-926-3335 at least 7 business days prior to your due date. We will discuss payment instructions at that time.
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Q: Do I need to have good credit to get a pawn loan?
A: No. We do not take your credit history into consideration if you apply for an Autopawn Loan. Essentially, we only consider the value of the pawned item.

Q: How fast can I get a pawn loan?
A: If you qualify, we can usually give you loan approval during the same day. When you receive pawn loan approval you will be asked to provide a few items so that we can verify your residence. Once you fax or e-mail these items to us we will set up an appointment for you to meet with a pawn loan processor to sign the pawn loan documents and deliver the pawned vehicle. Then, when we receive confirmation that you have signed the loan documents, we can fund the pawn amount . The total amount of time it will take to complete the loan process from Application to funding depends on how long it takes you to get everything to us. If you send us the items we need to process the pawn loan immediately after you receive loan approval, the entire pawn loan process can be completed in just a few hours.

Q: I am concerned about the personal information I give you; will this information
be kept safe?
A: Yes it will! We are concerned about your personal information as well, and we are deeply committed to protecting it. We go to great lengths to secure your personal information, our web site, and our databases, and take a number of precautions to protect access to them from unauthorized users. Please see our policies on Privacy and Security for more information.

Q: How much can I borrow?
A: We loan a percentage of the wholesale value of the vehicle, and take various factors into consideration such as the year, make, model, mileage, and condition of the vehicle.

Q: What if the car is not paid off?
A: For us to make a loan, the car must be paid off - or almost paid off. For example, if you owe less than 25% of the wholesale value of the vehicle, you may still qualify for a loan under our Autopawn Loan Program.

Q: What if I lost my title?
A: That's OK, we can still approve you for a loan even if you do not have the Title. However, it must be a U.S. registered vehicle, it must be paid off, and you must be the registered owner of the vehicle.

Q: What if the vehicle is not registered in my name?
A: If you have the title to the vehicle and it was signed off properly by the previous owner, you are still eligible for a pawn loan.

Q: What if it is an out of state title?
A: You are still eligible for an Autopawn loan with an out of state title as long as the vehicle is paid off and your name appears on the title as the registered owner of the vehicle.