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Premier Title Loans knows how difficult it is to get a loan when you need quick cash. That's why we offer fast approval and same day funding for a title loan in South Carolina. Loan amounts average $3,500 and you can often borrow up to 55% of your vehicle's value.

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    South Carolina Auto Title Loans – How Do They Work

    Title loans are an excellent option for borrowers in South Carolina who need emergency cash. When you take out a title loan, your vehicle’s equity is used as collateral for the loan, with funding amounts up to 20k. You won’t need a good credit score, and many lenders won’t even check your credit!

    Use the cash from your loan for whatever you need. But remember, because of the high rates, you should only work with a secured lender as a last resort! Some benefits come with a title loan, but some drawbacks come with using your vehicle as collateral for a loan. So, let’s break down the requirements, benefits, and possible outcomes to expect when you consider a loan provider.


    Requirements For Online Title Loans In South Carolina

    You must provide a paid off vehicle as collateral for the amount borrowed. There’s no getting around this requirement, as the lender uses your pink slip to secure the loan. If a lien holder still holds your title, you must pay off that lien before a finance lender signs off on the loan.

    Vehicle owners must show proof of income from a current full time job or other income sources. Proof of income can include checking statements or W-2 forms and a recent work schedule for employment verification purposes. Some borrowers may even be required to provide pay stubs or evidence of steady income.


    Apply Online Or Meet With A Local Lender

    The title loan industry has had a lot of changes over the years, one of which is where you apply for your title loan. Gone are the days when a company required applicants to make an office visit with their car title. It used to be that borrowers physically had to bring their car or truck into a lender, and they would evaluate it as part of issuing a secured loan. By applying online, you can complete everything at your own pace and convenience and still ensure you get the most competitive rates and terms.

    The option still exists, however, to apply with a local company offering title loans in Columbia, SC. You also have your pick of multiple finance companies in Charleston and Greenville, and there is also a handful with inspection offices and locations in Rock Hill. It may take longer to get cash when you meet with a local title loan company versus applying online or over the phone, but you may have a better experience working with someone in your neighborhood, so whichever choice you choose, you should be fine.


    South Carolina welcome sign off Interstate 26.


    Qualifying For Auto Title Loans in SC With Bad Credit?

    When you need a title loan in South Carolina, and your credit is less than ideal, you may think you have few options. After all, if you have bad credit, you’re probably worried about paying back the loan on time, as you’ve likely defaulted in the past. Fortunately, most companies know that making every payment is challenging. What matters the most is how much equity you have in your car or truck, not your credit history!

    With regular proof of income and a lien free title, almost everyone will qualify for title loans in SC, even with negative marks on their credit report. It should also be noted that some lenders allow borrowers to renegotiate or take out additional cash whenever necessary to ensure they can stay current on their payments and handle emergency expenses. You need to check and see if your title loan company is following the South Carolina Regulations that cover short term and secured lending. That way, you can be comfortable knowing you made the right choice.


    When To Get My Cash And How Much Can I Get In South Carolina

    The underwriting process differs depending on your vehicle’s current condition and status. South Carolina title loan companies can process your loan quickly, and you may be able to complete the in person inspection within one business day. Some finance lenders can even offer an estimate as soon as 20 minutes after you first apply! That means you possibly have the funds wired to a bank checking account or savings account in 24 hours or less when applying online.

    When applying for title loans in Charleston, Mount Pleasant, or Rock Hill, you’ll be asked how much you need, and if you have a particular amount or range in mind, it’s alright to let the agent know what that amount is. Some companies will allow you to borrow a range between 40-70% of the vehicle resale value. So, if you have a high value car with low miles, you could get up to 20k when you get a vehicle equity loan!


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