Not everyone has a full-time job; many people have to survive through multiple part-time jobs or gig work. Even that may not be enough when you face a financial emergency, such as medical bills, home repairs, and unexpected travel costs. A title loan can help with these costs, but can you get one without full-time work?

In this guide from Carolina Title Loans, Inc., we will explain how you can get approved for emergency cash regardless of your income level. We will review the requirements, approval process, and other important facets of title loans to explain how you can get approved today!

What Are The Requirements To Take Out A Title Loan?

To take out a title loan in South Carolina, you must meet our simple requirements. Whether your need is Charleston, Columbia, or Rock Hill, SC, loan approval help, our requirements are simple and easy to meet. You will just need a few basic items to get approved today.

Here are the requirements for title loans in South Carolina:

• You’re over 18 - Only those over the age of 18 can get approved for title loans. South Carolina law dictates that borrowers must be a legal adult to receive emergency cash. You would be asked to bring your photo ID to prove that and your identity. You can use a driver’s license, state-issued ID, passport, etc.
• You own your car outright – You must have fully paid off your vehicle (car, truck, or motorcycle) to get approved. You can prove this with your lien-free vehicle title. It must be in your name for us to process the loan.
• Your car has value – Although your vehicle’s title will serve as collateral, the main factor in determining your loan amount is the value of your car. If your vehicle is in poor condition, approval might be denied. However, that doesn’t mean the lender will only consider brand-new vehicles. Cars of various years, makes, and models can be used to access quick cash.

As you can see, having a full-time job is not a requirement for taking out a title loan.

Can You Qualify If You’re Unemployed?

Although the specific requirements might differ slightly from one lender to another, you generally won't need to provide proof of income. There's no need to bring your bank statements, pay stubs, or tax returns – your salary isn't the main factor in determining your eligibility for a title loan.

This means that you may still qualify even if you’re a part-time worker, freelancer, or currently unemployed.

However, we wouldn’t recommend unemployed people take out title loans. You will need to repay the loan in 30 days. If you cannot cover your urgent expenses now, it’s unlikely you’ll be able to afford the repayment. Only take out a title loan if you believe you can repay it with interest.

How Much Can You Borrow With An SC Title Loan?

The loan amount depends on your vehicle's value and condition. Lenders typically offer up to 50% of the car’s market value, meaning you could qualify for thousands of dollars within a short time. We will inspect your vehicle in person to determine what it's worth and what you can borrow.

The following are the vehicle factors that can influence title loan value:

• Vehicle year
• Make and model
• Interior and exterior condition
• Mileage
• Maintenance history
• Modifications

With Carolina Title Loans, Inc., for example, you might be able to get anywhere from $601 to $15,000. However, before accepting the first offer, consider how the money will be used.

Consider a title loan only as a last resort, such as during a financial emergency, like medical bills, travel costs, or home repairs. Avoid using it for small purchases or vacations. Borrow only what you need and ask for less if offered more.

Where To Find Title Loans In South Carolina?

Those looking for Florence, Orangeburg, or Charleston, SC, part-time eligibility for title loans need to look no further than Carolina Title Loans, Inc. We have been serving customers in Carolina for decades and are committed to helping our clients find a financial solution to their problems.

If you’re unsure about applying for a loan due to a low credit score or unemployment, we're here to help. Even if other lenders have declined your application in the past, you might still qualify with us. We are willing to consider all income and credit circumstances.

We also have locations across South Carolina where you can get approved in less than 30 minutes, including:

• Rock Hill, SC
• Florence, SC
• Charleston, SC
• Beaufort, SC
• Orangeburg, SC
• Greenwood, SC
• Spartanburg, SC

We have 16 store locations across South Carolina. No matter where you live in the company, you will likely have a location within 20 miles of you. Visit us today to get approved with the help of our friendly loan representatives.

What Is The Title Loan Process?

If you need loan approval help in South Carolina, we offer a simple approval process. Unlike bank loans, our title loans are available the same day you apply. You can start online with our loan application in just a few minutes and get approved in person in less than 30 minutes.

Here is the step-by-step guide for title loans in South Carolina:

1. Let us know you’re interested by filling out our inquiry form. You will need to include your full name, zip code, email address, phone number, and vehicle details (year, make, and model). Please verify the contact information you provide.
2. Wait for a call from one of our representatives. This is a great time to ask any questions you might have. They will also give you more details about the process and what items are needed.
3. Bring your required items to the nearest store at the scheduled time. Our representative will spend about half an hour reviewing your documents, inspecting the vehicle, and determining the amount you qualify for.
4. If you are approved and agree to all the terms and conditions, sign the final papers and learn how to receive the loan amount. Most borrowers will get their title loan cash later the same day or by the next business day.
5. You can then use the money you borrowed to cover your urgent expenses and plan for repaying the loan. By the way, we provide a convenient online payment portal that lets you repay your outstanding balance from the comfort of your own home.

You can complete the title loan process described above on the same day you apply. Ready for quick emergency cash? With the current title loan approval process, you can get approved in less than 30 minutes!

Receive A Title Loan In South Carolina Today - Get Started Right Now!

Carolina Title Loans, Inc. is happy to help. If you choose to work with us, you could qualify for up to $15,000 in just 30 minutes, and you don’t need a full-time job to get approved. Plus, bad or no credit won’t be an issue, and you’ll keep your vehicle while repaying.

The money that you need is a lot closer than you might have thought! Fill out the online title loan form now, and one of our representatives will contact you shortly. Visit one of our South Carolina stores and get approved for a title loan 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.