Title Loans in Cayce, South Carolina
There are times when you find yourself needing cash right away, but bad credit is keeping you from being able to get a bank loan. Even if your credit is good, it can be difficult to quickly come up with cash for unexpected expenses. These financial worries can be very stressful, but the answer you need may be sitting in your driveway.
Title Loans Cayce
You don’t have to sell your car in order to raise the needed cash. Instead, let Platinum Lending help you find the right title loans in Cayce to fit your needs. A title loan is a short-term loan in which the title to your car is pledged as collateral. Because it is based on the value of your car, your credit is never a consideration. Most loans can be processed and funded quickly, and the best part is that you keep your car while you are repaying the amount you borrowed.
Qualifying for Title Loans Cayce
Most people who own their car free and clear will be able to qualify for title loans in Columbia. The best way to start is to visit our website and complete our easy online application. You will need to provide:
- The make and model of your car
- The year your vehicle was built and the current mileage
- Your contact information
One of the Platinum Lending loan representatives will get to work with our wide network of lenders to find just the right loan for your situation. The representative will call you to discuss your application and loan offer. They will be able to answer all your questions and help you select among the online title loans you have been offered.
What Comes Next?
After you’ve agreed to the terms of your loan, you will need to bring your car in to one of our offices for an inspection. You will also be able to complete your paperwork at this time. Be sure to bring with you:
- The clear title to your vehicle
- Your driver’s license
- Proof of your monthly income.
You don’t have to be employed in order to qualify for auto title loans in SC, but you must be able to prove that you have an income high enough to afford the loan payments. This can be from any source including investments, disability or retirement pay.
After you have completed the paperwork and inspection, we will send everything to your lender. Once the loan is processed, you will receive your funds. This may take a few days but can often be completed in as little as one business day.
Repaying the Loan
As part of your paperwork, you will set up a repayment schedule with your lender. Be sure that this fits within your budget so you won’t fall behind on your payments. This is a loan against your car, and your lender will place a lien on the title, which means you could lose your vehicle if you are unable to repay the loan. The best way to ensure that this doesn’t happen is to borrow no more than you know you will be able to repay, and to stay in touch with your lender if there are any problems. After the loan is repaid, your lender will release the lien, and you will own the car free and clear again.
Title loans in Cayce can be a great way to quickly raise cash and get beyond financial difficulties. Contact us today to get the process started. You’ll be surprised how easy it is to get the money you need to regain your peace of mind.