How A Pro Handles A Title Loan In South Carolina

August 11, 2020 | Emma Frost

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When it comes to dealing with title loans, the pros know exactly how to do it so that their online title loan actually works for them. How do you become a pro? Well, it’s not as hard as you may think it is. But before you learn how to handle a car title loan, you have to know what it is. To put it simply, a vehicle title loan is a loan you receive when you use your vehicle’s title as collateral. One thing to keep in mind is this loan is not designed to fix your finances permanently. This is a short-term cash payment designed to help you out when you are going through tough situations, but more on that later.

At Carolina Title Loans, you don’t have to worry about losing your vehicle while you are paying us back; you can still use your vehicle however and whenever you please – so long as you stick to your repayment schedule that you and your loan representative will discuss. You also don’t have to worry if you have poor credit. Unlike traditional loans where a poor credit history may give you problems when it comes to being approved, we welcome any kind of credit history to come in and apply. So whether you have great credit or poor credit, you can still apply and be approved. Also, even if this loan is sometimes referred to as “car title loans,” that doesn’t mean you necessarily need a car to apply. Whether you have a car, truck, SUV, or even a motorcycle, as long as the title is in your name, you can use it as collateral for this loan.

How Do Title Loans Work?

When it comes to becoming a pro, you just have to know the nuances of how our title loan process really works and how you are supposed to use your car title loan.

What Is The Process Of Getting One?

When you decide to become a pro and get yourself a title loan, you will discover that we give you two options to begin the process. Our first option is the classic option. It begins with you filling out the online form and waiting for one of our loan reps to give you a call back. When they do give you a call, they will answer your questions and let you know what else to expect during this process. They will also let you know what the title loan requirements are for you to gather and bring in with you when you get off the phone. Once you are here, a loan rep will sit with you and go over your items and the paperwork. Another rep will conduct a car inspection to determine how much you qualify for.

Our second option is our more convenient option. This option has you give us a call and being the application over the phone. Then, as you are speaking to our loan rep, you can let the rep know what location he or she can meet you at and the rep will come to you. There is no need for you to come into any of our stores at all. The loan rep will still look over your required items and conduct the vehicle inspection right at whatever location you have chosen. If all goes well and you are approved, you can expect your money to be deposited into your account the next bank business day!

What Do I Need To Bring?

When you come into one of our stores or meet us at your desired location, you have certain necessary items that you must have with you in order to continue through the process. These title loan requirements are necessary and are easy to carry with you but important to get through the paperwork. Those items are:

  • Your driver’s license or state-issued ID that states you are 18 or older.
  • Your vehicle for a quick, 5-minute inspection to determine how much you qualify for.
  • Your title to the vehicle, used in the inspection, that is in your name and free of prior loans or judgments.

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What Kind Of Situations Do I Use A Title Loan For?

Like I mentioned in the beginning of this, a title loan is not meant to permanently fix your finances or get rid of your debt. So if you intended on using it for those reasons, well, you will definitely be disappointed. The true purpose of a title loan is to help you out when you are experiencing a situation that you cannot handle on your own but you absolutely must deal with right now. What I mean by that are situations like medical bills. We all know how massive medical bills can be and, if you don’t handle them as soon as possible, they can really be a weight on your finances. When you get a title loan, you can qualify for anything between $601 - $15,000 for help with those medical expenses. While that may not cover all of them, it can at least bring those prices down to a level you can possibly handle on your own.

Situations like emergency home or auto repairs can also be dealt with using a title loan. We know if you are dealing with a burst pipe or damage to your car, those are repairs that cannot wait. Your title loan is there when you need some financial assistance to get these situations out of the way quickly. You can even use your title loan to pay for late bills or other essentials like rent if you are experiencing issues at work and have not been paid or if you even find yourself unemployed suddenly.

Become A Pro With Your Title Loan, Today!

There you have it. That is what it takes to become a pro with an online title loan. If you use it the way it is intended to be used – and not to pay off your debt – then you can actually find some help from your Carolina title loan.