13 Jul 2018   /   0 comments

Title Loans In  Columbia, South Carolina

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Title Loans In  Columbia, South Carolina

You can’t predict when you’ll need cash for car repairs, medical emergencies or appliance repairs. Fortunately, you can count on Title Loans in Columbia   South Carolina to come through when you need money fast. We provide title loans Columbia for all kinds of emergencies or when you need a little help making ends meet. Our application process is simple, and it only takes a few minutes to apply online. To qualify for a car title loan, you need to be at least 18, own your vehicle and hold a lien free title. Credit reports are needed but not a determining factor because your car title secures the loan. We can appreciate the fact that most people are in a hurry to get cash when there is an emergency, so we process loans quickly. From start to finish, our loan process takes about 24 hours or less. You collect your loan funds from one of our convenient loan center stores in the Columbia area and are free to use the cash for anything.

In Columbia Title Loans, we understand that things come up that require cash in a hurry and they don’t always coincide with your payday. Our title loans get you the most money for your title with low interest rates available and you keep driving your car for the duration of the loan. After you’ve paid off your loan in full, be sure to contact one of our loan specialists to learn more details on how the lien will be released from your title.

We know that not everyone has a perfect financial background. We believe that your past should not affect whether or not you can get cash when you need it. You’ll get instant approval, and low interest rates available. Our professional and courteous staff is extensively trained to help you through every step of your loan process. We don’t just give people title loans; we give you the tools you need to get your finances back on track. Most importantly, we value each and every one of our customers which is why we designed our company and our title loan process to help you succeed and regain your financial freedom.

Simple, because we care about our customers!

Columbia, South Carolina Title Loans Requirements

Getting an auto title loan South Carolina Columbia has never been easier thanks to South Carolina Columbia Title Loans. Unlike banks and other traditional lenders, South Carolina Columbia Title Loans does not require a lengthy application process to obtain a loan. You don’t have to dress up and drive to a bank, only to get rejected because your credit is not up to their lofty standards. With a car title loan offered by South Carolina Columbia Title Loans, there is a friendly CREDIT CHECK, you get your cash the same day, and you get to keep your car.

We do have a few requirements in order to get your loan, but with our streamlined process, we can have you in and out with the cash you need in no time. Look over our list of requirements below, and if you have any questions, our friendly and professional staff will be more than happy to answer them.

What you will need:

Your vehicle:

We will do a quick 5-minute inspection of your vehicle to see if it qualifies for an auto title loan. We will make sure your vehicle runs properly, and we will check the mileage so we can adequately determine the value of the vehicle and, therefore, the maximum loan amount we can approve for you.

Free and clear title in your name:

This is the collateral used in order for us to offer you the loan. Your title must be in only your name, and clear of any liens or other encumbrances. We will hold your title until the loan is repaid, at which point it is returned to you. As long as you make timely payments or rollover your loan, you keep your car!

Proof of Residency:

In order to receive a car title loan from South Carolina Columbia Title Loans, we will need you to show proof of residency. This can be something like a phone bill, a utility bill, or a bank statement that is in your name with your home address.

Proof of Income:

We never want to give out a loan to someone who does not have the means to pay it back. Not because we fear to lose our money, but because we do not want to be responsible for putting someone in a worse spot, which may already be dealing with financial issues.

We have programs that allow us to offer loans in nearly all circumstances. Please don’t let the requirements above deter you from applying for the loan you need. 

Your Car as Collateral

Most loans requires collateral to secure title loans Columbia. In our case, your vehicle is used as collateral. This helps to reduce our financial risks in case customers default on loans. As soon as loans are closed, we place a lien against the vehicle temporarily. Car titles are returned to borrowers when we receive the final loan payment. As an added benefit, secured loans usually provide larger loan amounts for borrowers and may come with better interest rates, which helps to keep costs down.

How Loan Funds Are Determined

Essentially, loan funds are determined by the current market value of your auto submitted for collateral, your income and your ability to repay the loan. We take into consideration the age of your car and whether it is in reasonably good condition. The vehicle information you supply about your vehicle is researched in the Kelly Blue Book database to come up with the current value. Naturally, newer vehicles usually rate higher values, which can mean a larger loan amount to borrowers.

Benefits of Our Title Loans 

Convenient Customer Services

South Carolina Columbia Title Loans has a large staff of representatives on hand to take your calls, help with applications and answer questions. For your convenience, we also have a number of nearby loan center stores in and around Columbia where you can fill out an application, speak with a loan representative, make payments or collect loan funds.

Loan Funds

You won’t be asked why you want a loan or how you’ll spend your money. Our borrowers make their own spending decisions. Many folks use their funds to cover medical emergencies, rent, groceries or taxes. It is left for you to decide what you want to use the funds for. It’s just like when you receive your salary and your boss begins to ask you what you want to use it for. That doesn’t make sense right?

We will not ask you what you need the loan for because we know that you have to attend to some important emergencies that is why you came to us.

No Driving Restrictions

Borrowers don’t have any driving restrictions. You may use your vehicle as you always have.

Yes, that is absolutely correct, unlike some other companies who will collect your car and keep it with them until you have paid off your loan, South Carolina Columbia Title Loans will never collect your car from you.

Fast Payouts

We make the extra effort to see that all approved borrowers receive their loan funds within a day or less after applying.

How the Title Loan Process Works

You’ll need a state identification card or your driver’s license to confirm you are 18 or older to enter into a legal contract for our loan.

You should own a vehicle, which is completely paid for and have the title. Car titles should be lien free. You might want to verify that your name is listed as the legal owner on the title. In addition, vehicles must be in working condition.

The first step

Loan Consultations

You’ll receive a call from a loan representative shortly after applying. We keep the consultation fairly brief, and it’s helpful if you have your income and monthly expense figures on hand when choosing a loan repayment package. The shortest loan terms are 30 days. However, if you need more time to repay the loan, we can custom design a new package to meet your budget concerns.

After you’re qualified for a loan, you’ll make arrangements to meet with your loan representative at a nearby loan center store where you’ll turn over the title to your vehicle and sign your contract.

Step two

Signing Your Contract

All contracts for title loans Columbia are written according to state title loan regulations, which specify the terms of the loan. These are binding contracts, so take a few minutes to read and understand your financial obligations. Contracts will include the following information:

  • Your repayment schedule.
  • The total cost of the loan.
  • Minimum payment amounts.
  • The interest rate.
  • Your interest rate costs.

As soon as you sign your contract, you can collect your loan funds.

Step three

This is the last and concluding part of the loan process. You Collect your Cash! And start paying back your loan as agreed upon when the time is due.

Obtaining title loans doesn’t have to be a huge hassle or take days to acquire the money you need to settle your urgent financial situation. While other loan companies might make you jump through all sorts of hoops to get a cash loan on your car, South Carolina Columbia Title Loans has streamlined the entire experience to make it easier for our customers. We pride ourselves on offering online services that make getting a title loan easier than ever before.

Conclusion

No matter how financially prepared you are, financial emergencies always have a way of sneaking up on us. During these stressful situations, sometimes the best way to deal with it is a fast infusion of emergency cash, and that is exactly what we will do our best to provide you with at Car Title Loans. We offer the title loans that South Carolina Columbia residents use to get emergency cash amounts up to $50,000, regardless of their credit score or history. The title loan process is simple, quick and convenient, so why not get started right now?

Simply fill out our easy-to-use online request form, which you will find located right on this page. It will instantly send your information over to our local Columbia South Carolina Title Loans, store, where a friendly store representative will review your info and immediately call you back at the number you have provided. On this brief phone call, they will take you through the title loan process, explain how everything works and answer any questions you might have. They will also confirm that you have the simple required items listed below, which you will need to bring when visiting our store to complete the title loan process.

Once this call is over, the only thing left to do is bring those required items over to your local store to finish up and collect the cash you need. Upon arriving at our store, an associate will immediately greet you and get you going with the required paperwork. As you are doing that, a manager will perform a speedy inspection of your vehicle, which will help to establish the amount of cash that you could qualify for.

And that is basically all there is to the title loan process! From there, you could get emergency cash amounts up to $50,000, and you keep and drive your vehicle as you repay your loan, so your daily life and routines will not be interrupted by getting the extra cash you need. So what are you waiting for? Get started now and see why so many people are choosing to get emergency cash from Columbia South Carolina. Simply fill out our short online request form to get the ball rolling now!

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