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Your data is safe with us! Titlelo uses 128-bit encryption to protect all information that is submitted through our website. Check to make sure there is a padlock beside our web address in your URL bar to verify the site's security.
Even with these precautions, we understand that your data is important and never ask you to share more than what we need to get your loan approved. Since your vehicle will be the collateral for the loan, there is no need to submit private information for a credit check. Your credit remains untouched and sensitive information like your social security number is never even provided.
The privacy and security of our customers and their data is our top priority. If you have any other questions, you may review our privacy policy or contact us!
Over a decade ago, the American Psychological Association began surveying people regarding their stress levels. They consistently found that money and finances are the #1 reported stressor. They also concluded that stress resulting from financial concerns could directly impact the overall health and well-being of Americans.
Stress is regularly discussed in health sources as a contributor to diseases and disorders that range from headaches to heart attacks. It is important to manage stress and remain calm, even when faced with extreme difficulties.
Having an advocate work on your behalf to determine the best loan for you can save you time and ease your stress. Titlelo only requires brief information about you and your car to pre-approve you for a loan. We have live representatives available to chat or answer your call Monday through Sunday from 8 am - 10 pm. Whether you just have a few questions or you are ready to shop for a lender, we can help!
Titlelo works for our customers, not lenders. We offer personable customer service and will take the time to answer any questions you have. We offer instant pre-approval and fast cash, but we don't want you to feel rushed in the process. Chat with us online or call us to learn about what services or lenders may provide the best opportunities for you.
Once we learn more about you, we can help find the perfect lender. Compared to other loan brokers, we are as flexible as they come! We will help you secure a loan no matter how old your vehicle is, its mileage, or the amount of equity it currently has. We do not require proof of employment or minimum monthly income, and you do not need a bank account. We can even help you find a lender for a second-lien on your vehicle (if it is not currently paid off).
Online loan processing has revolutionized the way consumers can manage their expenses. Rather than waiting in line at a bank and then days (if not weeks) for processing, with a title loan, you can receive pre-approval instantly and have cash in hand the same day.
Even with a broker, you could still face wait times of several days before receiving your loan disbursement. Fortunately, Titlelo works with numerous companies that provide far more options, lenders, and expertise than other brokers. Typically, time is critical for all title loan recipients, but if your situation is especially urgent, Titlelo will select a lender that provides immediate processing.
Unlike most installment loans and many short-term loans, you do not have to be actively employed to receive a title loan. Lenders will request documentation proving a source of income, but this can include proof of any of the following:
Proof of income will not be necessary to pre-qualify you for a title loan Irwin, South Carolina. If you are not sure whether you have the proper documentation, you can still receive instant pre-approval online or over the phone with just your contact and vehicle information. We will be able to answer any and all questions you have about the loan process, documentation, or fund disbursement.
Applying for car title loans online shouldn't be difficult. Complete our simple online application and enter basic information about yourself and your vehicle. Once you're pre-approved, one of our friendly experts will contact you.
Titlelo will assess your needs and match you with the best lender in your area. Once you've accepted the terms and conditions of your lender, we'll help you gather everything you need to make the process simple and swift.
Visit your local title lender and bring your title, ID, and any other required documents. Review and sign your loan documents and get the cash you need instantly. Drive away with your car and get back to what matters in your life.
South Carolina is one of the few US states that openly allows short-term title loans. Under the SC laws, the lender is mandated to offer the borrower a principal loan amount equal to or less than the current market value of the vehicle. As such, the lender needs to appraise the car before an offer is made.
The average range of loan amounts in South Carolina is between $601 and $2500. Most lenders restrict the amount offered to over $600. This is mainly because the maximum interest rate laws apply to loans below $600.
South Carolina also allows a one-day void policy on all short-term loans. This means the borrower has 24 hours – from the moment agreement was contracted until the end of the next business day – to void the loan agreement. If the borrower decides to apply the policy, the principal loan amount must be returned to the lender. There will be no interest rate charged if the money is returned within the policy time frame.
As in most states, the borrowers in Irwin need to present personal information and vehicle details to the lender before the signing of the agreement. The borrower must also be at least 18 years of age and the outright owner of the vehicle.
Title loans in Irwin, SC are generally set up over a 30-day term. At the end of the month, the principal loan amount and the interest rate must be settled. If the borrower fails to do so, the lender can offer a renewal period of one additional month. For the extension, the borrower must pay the interest accrued on the first month of the loan. In South Carolina, the lender can offer extensions for six renewal periods for the title loan. The combined terms of extensions must not exceed 240 days.
If the borrower fails to repay the title loan, the lender has the right to repossess the vehicle. Typically, the lender has either a spare key of the car or a GPS tracker in the vehicle. This enables the lender to locate the vehicle when it’s to be repossessed.
There is no need for a judicial order to repossess a car. However, the lender needs to adhere to a few requirements. Some of these rules include using no force when getting the vehicle. There shouldn’t be any trespassing or any other breach of peace.