signature installment loan application form and cash

Why It’s Possible To Get Installment Loans In Cayce, SC With Bad Credit

If you have bad credit, then you might think your chances of getting an installment loan in Cayce, SC are nonexistent. At Carolina Title Loans, Inc., that may not be the case. Here’s how you might be able to score a loan without having great credit. Learn how installment loans work, when you should get one, and how you get one even with bad credit.  

While we will run and consider your credit before you get approved for one of our loans, bad credit is not a nonstarter, and you may be able to obtain the quick cash you need through an unsecured loan.

Surprisingly, good credit isn’t necessarily required for Cayce installment loans, and if you’re struggling to manage your credit through more traditional methods, then we may be able to help. The rest of this article will introduce you to bad credit installment loans and when you might consider using them.

How Do Installment Loans Work?

First, let’s take a quick dive into these Cayce installment loans so that you’ve got the gist of it. Our installment loans are unsecured, meaning that you never have to put up any kind of collateral to get approved. You’ll get your money in a lump sum to use at your discretion.

get installment loan with bad credit

You will, however, be obligated to repay the loan according to our terms in monthly payments referred to as installments. Be sure you plan ahead for this schedule since it’s a very important part of your loan.

If you can’t see yourself being able to cover the cost of the monthly installments, then odds are that an installment loan might be more harmful than helpful; moreover, you’re less likely to be approved if the numbers just don’t add up.

When Should I Get One?

Again, the reasoning behind getting an installment loan is yours and yours alone to know, but we do recommend you put some thought into it before you commit. Any type of loan functions as a short-term relief from ‘toxic’ debt or expenses that you just can’t manage right now.

If there’s something you can’t afford that’s going to cost you big in terms of services unrendered or additional fees piled onto your expenses sheet, then one of our loans might be a preferable scenario to wipe out those costs upfront. In general, we recommend our loans in the following circumstances:

  • Overdue rent or utility payments
  • Car repairs
  • Home repairs
  • Medical bills
  • Emergency travel expenses

Can I Get An Installment Loan In Cayce, SC With Bad Credit?

Eligibility for an installment loan near you in Cayce, SC is determined individually, so it’s not fair to issue a blanket statement promising approval; no reputable loan company promises approval upfront regardless of circumstance, and you should exercise extreme caution with such lenders when it comes to Cayce installment loans.

We will check your credit when you apply, and it will play into your chances of being approved. We’ll never immediately dismiss you for having bad credit, but nevertheless, you should be aware that it may affect your eligibility or the individual terms of your loan. You may only be eligible for a lesser amount, for example.

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What Do I Need To Get Started?

To take out one of our loans at Carolina Title Loans, Inc., you’ll need to make sure you have the following items ready to go:

  • Driver’s license or state-issued ID
  • A checking account statement open in your name
  • Your most recent pay stub

How You Can Apply For A Loan

If you think a loan is a right choice for you, then here’s the simple process you can use to apply today:

  1. Fill out the request form provided online. Doing so connects us with your basic information. Once you do, wait for a loan representative from the nearest branch to give you a call, during which you’ll arrange to meet at the store.
  2. Bring the above-mentioned required items to the store, where you’ll be greeted by one of our helpful staff.
  3. Wait for the associate to review your items and determine whether you can be approved. Should you qualify to get one of our loans, you’ll get your money as early as possible.

Submit Your Inquiry Online Today

An installment loan in Cayce, SC isn’t out of reach even if you have bad credit. While you should always be careful taking on a loan if your credit is poor, sometimes, emergencies come up that demand a quick response. When that happens, we’re here to help you apply for a Cayce installment loan for as much as $1500 towards your emergency expenses.

If you have medical bills, emergency repairs, or business travel to pay for, then consider this financial resource while you sort out your expenses for the long term. Ready to get started? Simply head to the online form to get connected with a trusted representative today!

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

June Mckaig

June Mckaig writes articles on finance and budgeting, hoping to provide insight amidst the overwhelming crowds of information on the internet. She feels that with all this accessibility comes a lot of false data, and she would like to contribute astute, helpful input that she knows can help others. If you would like to learn more about June's research, read more here.