In Columbia, South Carolina, residents can run into financial issues they cannot afford, such as auto repairs, medical expenses, and late bills. If you experience financial difficulties and own your car outright, you can use the value of your vehicle to get a car title loan near me using your lien-free car title.

In this article from Carolina Title Loans, Inc., we will explain how vehicle title loans work, what makes them so convenient to access locally, and where you can find a car title loan near you in Columbia, SC. Use this guide to help secure emergency cash to pay for your urgent bills.

How Can Car Title Loans Help Columbia, SC Residents?

A vehicle title loan allows you to borrow from the value of your car using your lien-free car title. This type of emergency loan is only available to those who have paid off their cars fully and have no outstanding judgments. A loan lender will place a lien on the car title and allow a borrower to receive money based on the car’s value, which can be determined by its year, make, model, and condition.

Car title loans can be a source of relief for those in Columbia, SC. Unexpected bills can arise at any moment. For instance, you might have been driving through the Trenholm Road Extension and Two Notch Road intersection when another driver collided with your vehicle. The resulting medical bills and auto repairs could be a significant financial burden, especially if you don't have an emergency fund to rely on.

In such situations, a car title loan can provide the quick cash you need to address these urgent expenses. Vehicle title loans allow you to use the value of your car to pay for these urgent expenses. In addition to giving you the money you need, accessing a car title loan locally is easy and can allow you to receive your emergency cash within one business day.

Where Can I Find Car Title Loans Near Me In Columbia, SC?

Getting a car title loan near you can be daunting, as you may not know where to look first. You can access an auto title loan online, over the phone, or in person from reputable lenders. Do your research and find the best title loan lender in Columbia, SC, that can help you receive emergency funds for your urgent financial needs.

The following are some places you can easily access car title loans in Columbia, SC:

1. Access Car Title Loans Online

You can start the process of getting an auto title loan near you online. Most reputable loan lenders have a quick form to fill out with basic information on their website. Before deciding on a loan lender, make sure you determine it is the right fit for you.

Loan lenders will have information on their websites about how their title loans work, the process, and their qualifications. You can also read Google reviews to see which lender has the most satisfied customers. Look through recent reviews to determine which lender is currently in the best position to help you with your auto title loan.

When choosing a loan lender, you should also make sure they have a Columbia, SC, store location. You may need to visit their store at some point, and you don’t want to choose a lender requiring you to drive hours outside of Columbia to secure the emergency cash.

2. Talk To A Representative On The Phone

If you are not as technologically savvy and wish to speak to a real person, you can call the lending company to speak to a real representative. They can guide you through the process of getting title loans near you and explain how they allow borrowers to get approved.

During this phone consultation, you can provide your basic information to allow them to better help you start the process of getting a Columbia car title loan. At Carolina Title Loans, Inc., we have friendly representatives from our Columbia store location who can explain how auto title loans work and what you need to get approved for emergency cash.

3. Head To A Columbia, SC Store Location

If you would rather handle the title loan process, you could head to a loan lender with a Columbia store location. You can speak to a loan representative in person and have your required items verified to receive your vehicle title loan.

Looking for a Columbia car title loan near me? Carolina Title Loans, Inc. can help with our Columbia, SC, store location. We’re located at 7118 Two Notch Road and open from 10 AM to 6 PM on weekdays. You can come anytime during our open hours to discuss getting a car title loan to pay for urgent expenses. You can also visit our other South Carolina store locations to get a vehicle title loan.

Frequently Asked Questions About Columbia Vehicle Title Loans

Now that you know where you can get a car title loan near you in Columbia, you may have some other questions about how these loans work. You can consult the FAQ section below to learn more about title loans, their requirements, and the process for getting one.

The following are some frequently asked questions about title loans in Columbia, SC:

What Are The Requirements For A Columbia Car Title Loan?

Unlike more traditional bank loans, we do not have many requirements. To start, you must make sure you fully own your vehicle. If you are making payments, you will not qualify for the loan. You must also ensure your title is free of outstanding liens or judgments.

Borrowers must also be 18 years of age. Their car title must also be in their name. If it is not, you must visit your local DMV to change the name on the car title to your name to proceed with a car title loan in Columbia, SC.

You must also have the required items, which are:

• Your driver’s license or state-issued identification
• Your lien-free car title
• Your vehicle for inspection

How Much Can You Get For A Car Title Loan?

When you come to Carolina Title Loans, Inc., you can get approved for $601 to $15,000 for your title loan. The loan amount you could qualify for will be determined based on your car’s value after a brief inspection. This inspection will determine the car’s value, which will be based on its make, model, year, and condition.

Can You Get Approved For A Car Title Loan With Bad Credit?

Your credit score will not affect your ability to get approved for a Columbia title loan at Carolina Title Loans, Inc. That is because we use your car title as collateral. We will do a soft credit check, but your credit score will not affect your ability to get approved. You can borrow money through an auto title loan with good credit, bad credit, or no credit.

Getting a title loan will also not affect your credit, as we do not report your loan to credit bureaus. You will not be negatively affected by getting a vehicle title loan. However, you cannot pay off a title loan to improve your credit score.

Can You Keep Your Vehicle After Getting A Columbia Title Loan?

Yes, title loan borrowers can keep their vehicle while repaying their loan. We do not seize your vehicle until you pay off your loan; you can continue to drive your car while making repayments. We want to keep the process simple and do not want to disrupt your life. You can still drive your car to work, school, the store, or any other location while paying off your auto title loan.

Contact Carolina Title Loans, Inc. For A Columbia Title Loan Today!

Looking for a vehicle title loan near me? Look no further than Carolina Title Loans, Inc. We have a store location in Columbia, SC, with loan representatives who can guide you through our simple title loan approval process. Receive up to $15,000 within one business day with our no-hassle approval process. Start online by filling out our online form and hear soon from one of our Columbia loan associates.

 

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.