Title Loans in Conway, South Carolina

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Applying for a Title Loan

One of the most difficult situations in life is when you have a pressing expensive with no idea how you’re going to pay it off. As stressful as it can be, there is a way out, as plenty of people in that exact same position have gotten the financial boost they needed with car title loans in Conway. The application process is quick and doesn’t involve a credit check, making title loans an excellent choice for borrowers with bad credit who need money right away.

At Evans Car Title Loans, we wanted to make it even easier to get a title loan. That’s why we set up an efficient online application process for title loans Conway that you can complete in well under a minute. The form is available right here on our site, and it will ask you for the following information about your car: • Year • Make • Model • Approximate Mileage. The application will also ask you to fill in the following contact information: • Your full name • Phone number • Email address.

Using that information, we can calculate the current market value of your car, which we will use to preapprove you and also determine how much we can lend you, contingent on the condition of your car. We’ll also have one of our Evans Car Title Loan representatives get in contact with you to provide more information about the title loan process.

What about the documents you’ll need to get a title loan? There’s not much required, and you certainly won’t need as much as you would getting a loan through a bank. We’ll need to see your government-issued ID to check your date of birth, because it’s a federal law that all title loan borrowers be at least 18 years old. We’ll also need to get your car title from you during the term of your loan. You’ll get it back as soon as you’ve paid off your loan balance.

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Title Loans in Conway

If you’re looking for an auto title loan in Conway, it’s a safe bet that you don’t want to end up driving miles out of your way just to go to a title loan company’s office. After all, one of the reasons to choose a title loan in the first place is the convenience of getting one. Our office is located right here in Conway.

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Loan Representatives

There’s also no shortage of parking options near us, so you won’t need to walk far to reach our office. When you arrive, one of our Evans Car Title Loans representatives can get you started on the paperwork for your loan. Don’t forget to mention if you already got a preapproval through our online application.

How it works
Quick Process

We’ll look up your car in a vehicle value guide and then perform a short inspection to determine its condition. This will help us figure out exactly how much we can lend you. After all that’s done, we just need to get your car title from you and then we can issue your title loan. The entire process often takes 30 minutes.

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How it works

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Title Loans

How title loans work can vary significantly from state to state, because the federal government doesn’t put many restrictions on title loan companies and instead leaves that up to each individual state. This means that South Carolina’s title loan laws regulate title loans Conway.

A title loan is what’s classified as a secured loan, and it’s secured because it has a form of collateral attached to it to cover the lender in case of a default. In this case, the collateral is your car, but you still keep your car during the term of the title loan. All the lender keeps is your car title. Since the value of your car is the determining factor for your loan approval, the lender doesn’t check your credit score.

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Lenders and Borrowers

Title loans Conway must be above 2,500 dollars. The maximum amount depends entirely on your car’s current market value. The state hasn’t set a cap on title loan interest rates, preferring to leave that up to lenders and borrowers to figure out.

While South Carolina hasn’t set a limit on title loan terms, the usual term length is 30 days, and that’s in both South Carolina and most other states. If you don’t have the money to pay back what you borrowed at the end of your loan’s term, you do have the option of extending it, which is known as rolling it over. When you do this, you’re paying only the interest charges and not the loan principal, which carries over to the new term. That new term also includes another interest charge, but this is still an easy way to buy more time.

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Payment Options

If you don’t make your title loan payment, then you’ve defaulted on your loan, and this gives the lender the legal right to repossess your car and then sell it to recoup their losses. Many lenders will give you extra time before repossessing your car and before selling it to allow you to catch up on your payments, although it’s best not to rely on this.

The reality is that a lender never wants to repossess your car. The entire repossession process can be a serious hassle, and selling a car isn’t much easier. The lender would rather avoid that entirely by having you pay what you owe. That’s why you should always communicate with your lender if you do have any payment issues. Here at Evans Car Title Loans, we pride ourselves on working with our customers to make sure everyone is happy. Give us a call if you are having trouble making a payment and we’ll see what options are available.

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(843) 732-2800