Irwin Title Loans
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Borrow with confidence and security.

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!

Get peace of mind in minutes.

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!

The best secured loans in Irwin, South Carolina.

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).

The new way of borrowing money online.

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.

Employment is not necessary for Irwin title loans.

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:

  • Disability or Social Security
  • Child Support or Alimony
  • Unemployment or Self-Employment

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.

We make applying for Irwin title loans easy.

Apply.

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.

Accept.

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.

Done.

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.

Take control of your finances with one click.

Rent / Mortgage

Utility Expenses

Food & Groceries

Tax Bills

Car Repair

Medical Bills

Special Gifts

Other Expenses

South Carolina title loan laws

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.

Requirements:

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.

Loan Extensions:

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.

Repossessions:

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.

Got questions? We've got answers.

An auto title loan is a short-term loan that uses your vehicle's title as collateral. No credit check is required, and repayment is usually due within 30 days but can be extended with an installment plan if needed. The amount available for you to borrow will depend on the value of your vehicle.

Title loans are great alternatives to traditional bank loans since they do not require a credit check and can usually be processed much quicker. There are fewer requirements for income, employment, and documentation, and interest rates are lower than unsecured loans.

Other short-term loans, like cash advances and payday loans, can have high-interest rates, additional fees, and strict terms. Auto pawns (not title pawns) are secured short-term advancements, but use your actual vehicle as collateral, rather than just your title.

Title pawns, pink slip loans, auto equity loans, and auto collateral loans are all terms that can be used to describe types of title loans.

Titlelo offers title loans in twenty-one states. We have partnered with reputable lender with multiple locations across the United States. Although Titlelo is headquartered in Florida, you'll be able to complete the loan process online or with one of many local title loan companies.

Looking for title loan places open on Sundays? We've got you covered. For your convienence, we've also partnered with lenders in your area that are open on the weekends. Never worry about an unexpected emergency again. Visit one of our many partner locations near you to get the help you deserve.

No problem! Title loans are secured loans, which means they use collateral instead of credit history to determine the interest rate. No credit information or sensitive personal information (like your social security number) is required. Apply online with your contact information and a few details about your vehicle and receive instant pre-approval.

The lender may request additional information to process the loan including a valid government-issued ID, your vehicle's title, and proof of income. Income does not have to be regular employment and can include payments from disability, social security, child support, alimony, unemployment, and self-employment.

Some lenders may also wish to see proof of address, car registration, or car insurance. If you prefer not to provide certain documentation, let your Titlelo expert know, and they will match you with a lender with fewer requirements.

The amount of your loan is dependent on the value of your vehicle and loan regulations in your state. Generally, title loans can be approved for amounts as low as $200 to as much as $25,000. To determine the value of your car, the lender will complete an inspection of your vehicle.

Apply online to prequalify for a car title loan with only minimal information about your vehicle: make, model, year, and estimated mileage. The expected amount of your title advance may change depending on the condition of your car, as determined by the lender's inspection.

Titlelo will match you with a lender in your state and will help schedule the inspection of your vehicle (either at your location or the lender's). After the review is complete, the value of your car will be finalized in the loan. You may choose to borrow all or some of the approved amount and can receive the funds the same day (if opting for direct deposit).

Yes! Even though your vehicle's title is used as collateral and the loan amount is established by the value of your car, your vehicle will remain in your possession during the entire life of your loan.

Unlike an auto pawn, which requires your actual vehicle as collateral, a lender of a title loan will only request your vehicle's title. Since this is still a big financial decision, you want to be sure to work with a reputable lender. Titlelo will help narrow down your options to a short-list of trustworthy companies that offer competitive rates and realistic terms.

After establishing the value of your vehicle with an inspection by the lender, the loan will be finalized and the funds disbursed. You will continue driving your car to work, school, and to run errands while making payments on your loan. When the loan has been repaid, you will receive your vehicle's title back from the lender.