What if I cannot payback within 30 days?

Title loans, more commonly referred to as a title pawn, with Panhandle Title are not required to be paid back within the first 30-days. A title pawn is meant to be a short-term, 30-day transaction but you are not required to pay the title pawn within the first 30-days. If you are able to pay back within the first 30-days, your total cost of borrowing will be less than what your total cost of borrowing would be if your account remained active for additional 30-day periods, which is expected with any loan or pawn that you would receive.

If you find that you are unable to payback your title pawn within the first 30-days, you do need to ensure that you are paying at least your minimum payment every 30-days to keep your account in active, good standing with Panhandle Title. You are always able to pay more than your minimum payment to reduce the amount your outstanding principal balance as well as your total balance owed to pay your title pawn in full.

If you find that you are able to payback your title pawn within the first 30-days, at Panhandle Title, we do offer an exclusive first-time borrower promotion for a 30-day interest free promotion! What is great about our promotion is that it is valid for the life of your title pawn, as long as the promotion requirements and terms and conditions of the promotion are met by the borrower. If your title pawn is a 30-day interest free promotion, when you payout your account within the first 30-days, you will simply payback your principal balance and lien fee and your account is paid in full. If you are unable to pay off within the first 30-days, you will be required to make at least your minimum payment on or before each due date to keep the promotion active and when you are able to pay your account in full, Panhandle Title will waive up to 30-days’ worth of the current interest on your outstanding principal upon pay off. Keep in mind that not all new customers will always qualify for this promotion. To review the qualifications needed to qualify for Panhandle Title’s 30-day interest free promotion, visit our disclaimer page here for the list of qualifications.

Call us at (850) 785-2274 to get pre-approved over the phone or you can even start the approval process on our website and receive an instant quote for your title pawn with Panhandle Title! We look forward to assisting you!