Carolina Title Loans, Inc. offers title loans that you can use to borrow money, using only a car title as collateral. The loan process is quick and painless, and you can help things go smoothly by preparing everything you need ahead of time.

The first thing needed for a title loan is a lien-free car title registered directly to you. Then, you’ll also need your identification and the vehicle itself for an in-person inspection. Once you complete your loan request, the last thing necessary is a little bit of time and patience while waiting for potential approval.

Read through this guide to understand in greater detail what you need to apply for a title loan. It’ll help you prepare things in advance so you’re the title loan process goes as smoothly as possible.

What Do You Need To Apply For A Title Loan?

You only need a few things to apply for a title loan, but there still are a few things you need to prepare.

Here’s what you need to have ready when applying:

1. Car Title That's Yours

You likely searched for “South Carolina title loans near me” because you knew how car title loans work. In short, you’re borrowing money using your vehicle title as collateral.

So, the first thing you must have is a car title. More importantly, it must have your name on it and no one else’s name. Simply put, you can’t use a car title registered to a family member or friend, or you won’t be able to apply for a loan.

If, for some reason, the title is in someone else’s name, you’ll have to take it to the DMV first. There, you’ll want to transfer the title to you so you can continue with the loan application.

2. Lien-Free Car Title

Aside from having your car title match your name, it must also be lien-free. In other words, it needs to be clear of any judgments or outstanding loans; you and no one else must own the vehicle outright.

If that’s not the case, then you’ll have to resolve the issue and get that car title to become lien-free. Once that’s done, you can resume your search for “South Carolina title loans near me”.

3. Identification

When you search for “South Carolina title loans near me”, you know that the vehicle title is the main piece to the puzzle. Once you have that sorted out, it’s time to consider the other things you’ll need for your approval.

Next, you’ll need identification to confirm you are indeed who you say you are. A government ID or driver’s license is good enough for that purpose.

That way, anyone evaluating your application can confirm your identity and match it to the ownership of the vehicle title you’re using for collateral.

4. Vehicle For Inspection

There’s one thing that people searching for “South Carolina title loans near me” sometimes overlook the vehicle itself.

Sure, you’re only using the car title as collateral for the loan. And sure, you can leave with the car after you complete the process.

Still, the representative must check the car in person. That process lets them decide how much money they can borrow.

That part of the process will happen at a time and place that you agree on with the representative. So, be sure to discuss it with them during your call.

5. A Completed Application

Once you have the items mentioned above, the next thing you need to do is complete the loan application. That process begins with you submitting the online form.

A representative will then ring your phone soon after that and go over the remaining parts of the process. So, make sure you keep your phone nearby so you can hear it ring.

As mentioned earlier, the representative will make an appointment with you to inspect your car. At the same time, they’ll verify your identification and guide you through some simple paperwork to complete the loan process.

When all is said and done, sit back and wait patiently.

6. A Little Bit Of Time

The last thing you need for your title loan request is a little bit of time and patience. Typically, the process doesn’t take very long at all. The application portion takes about 30 minutes to complete.

An approval means the money will be yours shortly after, and you'll even get to keep your car, too.

Get Started Now

Now that you know what’s needed, you're ready, to begin with Carolina Title Loans, Inc. As you read above, starting the process is as simple as finishing the online form. Be sure to double-check your details to ensure they’re correct to avoid any unnecessary delays.

Once you submit that form, stay close to your phone. Someone will call you soon after to guide you through the process step-by-step and help you get your money as soon as possible.

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