Is the title loan company in Georgia or across the state line in Florida?
If the loan is from a Georgia title pawn, the numbers that you state in your question sound like you are being overcharged.
You need to gather all documents (the original contract, all renewals, all receipts, etc.) and have them reviewed by an experienced consumer rights attorney. The overcharges may (I emphasize MAY) void the title pawn transaction. You need to see an attorney.
Skaar & Feagle, LLP maintains offices in Marietta (770 427 5600) and Decatur (404 373 1970), Georgia. The information ("the answer") provided above is for general information and educational purposes only. The answer should not be taken as legal advice for any individual case or situation. Posting the question and reviewing the answer does not constitute an attorney-client relationship. My firm will ask you to sign a written contract prior to the commencement of representation in any attorney-client relationship. Please contact 770 427 5600 or 404 373 1970, if you wish to discuss your situation further. Skaar & Feagle, LLP accepts select consumer rights cases. These cases include, but are not limited to, cases of abusive and unlawful collection activity, debt defense, credit reporting of false or obsolete (old) information, high interest lenders (title pawns, payday loans), debt management plans, and fraud or unfair practices in the sale and financing of automobiles.