It can be an expensive time of year. The holidays are around the corner, gas prices are up and travel is more cumbersome and expensive. It's no time for something like a car or home repair. And one trip to the emergency room can wipe out Christmas. 

With no emergency savings and a less-than-perfect credit score, eliminating the option of a traditional bank loan, you are now left to find alternative funding. Some people consider a title loan to handle their emergency expenses, but that isn't an option if you don't own your vehicle. So, how do you cover the unexpected cost when it seems that all else has failed?

Installment loans in Charleston, SC may be just what you need to address your emergency. If you want to know how to qualify for one quickly, take a look at the secrets to qualify for installment loans in Charleston, SC that have been detailed below.

What Is An Installment Loan?

An installment loan is similar to a bank loan in that you borrow a specific amount of money and make payments (or installments) until it's paid off. To be eligible for Installment loans in Charleston, SC there are three basic qualifications. Having these assets available will help you get an installment loan without delay.

A Driver's License Or State Identification

Anyone requesting an installment loan must be a resident of South Carolina and have a state-issued or government-issued ID that shows residency, such as a driver’s or non-driver’s license.

A few other requirements are also needed when requesting an installment loan in South Carolina.

Employment

When seeking installment loans in Charleston, SC you must be employed. Providing proof of income is a requirement, so you will need your most recent pay stub when you meet with a loan representative. 

Different loan businesses have additional requirements regarding pay and time on the job so you will need to ask about those details when you apply.

An Active Checking Account

Another requirement for installment loan approval is an active checking account. Many lenders offering this type of loan also offer the option or requirement for loan payments to be automatically deducted from your checking account. 

Getting An Installment Loan

Carolina Title Loans, Inc. offers installment loans in Charleston, SC with a maximum loan amount of $1,500. No collateral is needed with an installment loan from Carolina Title Loans, Inc. So, you can still qualify for a loan to pay for an emergency without using something like a car title to obtain the funds. 

While an installment loan is much like a title loan in that the processing time is quick and convenient, it does provide some different loan options. It may offer more money and easier qualifications depending on your situation. For instance, if you don't own a car outright or do not have a car title in your name a title loan is not the loan option for you.

An installment loan can also offer more time to repay the loan as opposed to other loans. Payments are usually made monthly, but loan details will be dependent upon your situation.

Cash can be made available the same day depending on when you are approved and sign the loan paperwork. 

Those with bad credit shouldn't worry about their eligibility for an installment loan. Carolina Title Loans, Inc. welcomes all types of credit to apply, as long as you are of legal age (18 years or older).

The Ultimate Secret To Quick Cash

The one thing a loan applicant can do to get qualified fast for installment loans in South Carolina is to fill out a request form online. Carolina Title Loans, Inc. has a basic online form that is quick and easy to complete. 

Once you get started online, a loan representative will call you to arrange a meeting either at the nearest Carolina Title Loans, Inc. location or at a location of your choosing. 

Remember, your license, pay stub, and checking account information when you meet the loan representative. These items will need to be validated to complete the loan request.

Your loan could be approved in as little as 30 minutes. The online process makes it so much faster than filling out everything at the store. 

Carolina Title Loans, Inc. has streamlined the loan process to get you in and approved as quickly as possible.

Call Today To Get Emergency Money

Paying for an emergency doesn't need to add stress to your life. An installment loan is an option that could help manage the extra expense. Use the online form to get started on your request for installment loans in Charleston, SC. It is simple to fill out, and you are not obligated to take the loan offered. Find out how much you qualify for 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.