THINGS TO KNOW ABOUT ChoiceCash ?

HOW DO TITLE LOANS WORK IN COLUMBIA, SOUTH CAROLINA?

A title loan in Columbia, South Carolina, is a secured loan option that allows you to utilize the available equity in your car and access the emergency money you need. With a car title loan, you are pledging your car as collateral for the loan, which makes it a secured loan. Instead of just relying on your credit history to obtain approval for a loan, you could use your car title to secure quick funding through an auto title loan.1

Title lenders will focus primarily on these two items when you apply for auto title loans in Columbia, South Carolina:

  • The Value of Your Vehicle
  • Your Ability to Repay the Loan

If you qualify for a title loan and sign your loan contract, you can obtain the emergency cash you need to handle unexpected expenses, consolidate debt, or even take a vacation. Once the loan is complete, the title loan lender will place a lien on your title. That lien documents the lender’s legal right to your asset, and if you default on the loan, the lender can repossess your car. However, arranging a vehicle repossession is costly, so most lenders would prefer to work with you to find an alternative payment plan if you are struggling with your standard monthly payments.  

Borrowers can still drive their cars during the repayment process while making their scheduled payments on time! 

Go online or call 855-422-7402 to start the approval process for a ChoiceCash title loan in South Carolina today!

title loans columbia south carolina

WHAT DO I NEED TO GET CAR TITLE LOANS IN COLUMBIA, SOUTH CAROLINA?

Residents of Columbia, South Carolina, are required to submit a few documents during the title loan underwriting process. These documents are used to verify the applicant’s information and can be conveniently uploaded online through the ChoiceCash website. They can also be sent via email or text message to a ChoiceCash title loan agent. 

Below is the list of the required documents:1

icon Valid Government/State-Issued Identification
Valid Government/State-Issued Identification
icon Proof of Address
Proof of Address
icon Evidence of a Qualifying Vehicle Title in Your Name
Evidence of a Qualifying Vehicle Title in Your Name
icon Proof of Income or Alternative Income
Proof of Income or Alternative Income
icon Recent, Clear Photos of the Vehicle
Recent, Clear Photos of the Vehicle

WHAT IS THE HIGHEST TITLE LOAN YOU CAN GET IN SOUTH CAROLINA?

The highest loan amount a qualified borrower can receive through an auto title loan in South Carolina will depend on several factors! The value of the applicant’s vehicle and their income will affect their loan amount and eligibility. Eligible borrowers could access up to 50% of their vehicle’s value through a title loan in Columbia, South Carolina. That means a qualified applicant could potentially borrow anywhere from $2,000-$15,000!1 

Contact a ChoiceCash title loan agent directly at 855-422-7402 if you have questions about how much cash you can obtain with a title loan.1

WHAT IS THE DOWNSIDE TO A CAR TITLE LOAN IN COLUMBIA, SOUTH CAROLINA?

Every loan has the potential to have disadvantages, and a title loan is no different. 

Here are some of the potential drawbacks associated with a car title loan in Columbia, South Carolina:

  • Car Repossession: If you default on your title loan, your vehicle could be repossessed by the title lender. Many title lenders prefer to avoid car repossessions because they are challenging and expensive to arrange. Instead, most title loan lenders would prefer to work with you to find an alternative solution. The most important thing you can do is communicate with your lender or loan servicer before you default on the loan.
  • Damaged Credit Score: When you sign a loan agreement, you agree to pay the loan back according to the loan terms. If you default on your loan, that can negatively affect your credit score

These potential disadvantages can be avoided by keeping up with your scheduled loan payments! 

online title loans columbia

WHAT ARE THE ADVANTAGES OF AUTO TITLE LOANS IN COLUMBIA, SOUTH CAROLINA?

Car title loans can be helpful and convenient if you are stuck in a tough financial situation and need quick cash. But, an auto title loan in Columbia, South Carolina, can offer more than just emergency cash. 

Take a closer look at the benefits you could take advantage of with a ChoiceCash title loan in Columbia, South Carolina:1

icon Valid Government/State-Issued Identification
1. FLEXIBLE APPROVAL1
Since you will be using your car as collateral for an auto title loan, the approval process can be much more flexible and fast - even it your financial history isn't perfect!1
icon Proof of Address
2. POTENTIAL FOR MORE AVAILABLE FUNDING1
With a title loan, you could potentially receive more funding than you may be able to get from a bank or from a traditional unsecured lender!
icon Evidence of a Qualifying Vehicle Title in Your Name
3. QUICK FUNDING1
When you apply for an auto title loan with ChoiceCash, you may be approved for your money within the same business day as inquiring!1
icon Proof of Income or Alternative Income
4. KEEP DRIVING YOUR VEHICLE
One of the best parts about inquiring about a car title loan is that qualified borrowers can continue driving their vehicles during the entire repayment process!
icon Recent, Clear Photos of the Vehicle
5. NO PREPAYMENT PENALTIES
There is no fee for paying off all or a part of your ChoiceCash title loan early! Save money by making extra payments or paying your loan in full ahead of schedule.

In addition to these benefits, you can expect great customer service when you inquire about ChoiceCash title loans in South Carolina! Title loan agents are available six days a week for extended hours to answer any of your questions and walk you through the application process. Call 855-422-7402 today or visit the FAQ page to learn more.

Find out if your vehicle and income qualify for a ChoiceCash title loan in Columbia, South Carolina! If you qualify, you could choose direct deposit or have the funds added to your debit card to get your money in as little as 24 hours.1 Visit the ChoiceCash website today to get started on your loan application.

HOW CAN I PAY FOR MY CAR TITLE LOAN IN PERSON?

Pay for your car title loan at any MoneyGram location in South Carolina. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:

Addresses shown display closest MoneyGram locations. Map displays all MoneyGram locations in general vicinity.

    Frequently Asked Questions

    Yes! You can apply for a ChoiceCash title loan in South Carolina if you have the title to a qualifying car in your name and can provide the required documents, such as:

    • Proof of Income & Address
    • A Valid, Government-Issued Photo ID
    • A Few Photos of Your Car

    If you want to qualify for an auto title loan in Columbia, South Carolina, then you will need to meet the following initial requirements:1

    • Be 18 Years of Age or Older
    • Have a Car Title to a Qualifying Vehicle in Your Name
    • Be Able to Provide Proof of Income

    Not necessarily. The approval process for a ChoiceCash title loan in South Carolina can be flexible and quick – even if your credit history isn’t perfect.1

    If you default on your title loan in Columbia, South Carolina, that can hurt your credit score. If you experience financial difficulties during the repayment process and cannot repay your loan, just contact your lender or loan servicer for assistance and discuss your options.

    The amount of money you could acquire through a title loan in Columbia, South Carolina, will primarily depend on your vehicle’s value and your income. Generally, you could access anywhere from 25%-50% of the total value of your car.1

    Locations near Columbia, South Carolina

    ChoiceCash is proud to service residents all over South Carolina including metro areas . Call 855-422-7402 to discuss your options with a loan expert, or see the city list below to see where your MoneyGram locations near Columbia:

    Featured Locations near Columbia, South Carolina

    Nearby States by South Carolina That offer a ChoiceCash Title Loan

    Title Loans in Columbia, South Carolina

    There are about 342,861 total people living in 29229 Columbia, South Carolina. From those 342,861 people, about 53.1% of them are female, which comes out to approximately 177,891 people. In Columbia about 46.9% of the population is male, which comes out to about 164,970 people.

    From the total population of 342,861 people about 262,620 are considered legal adults above the age of 18. From there, about 138,174 of those 262,620 adults are female, which comes out to about 53.59% of the population. For the men, 46.41% are adult males, which is approximately 124,446 people.

    Total People Under 5 Years 20,407
    Total People 5-9 Years 19,922
    Total People 10-14 Years 18,140
    Total People 15-19 Years 31,168
    Total People 20-24 Years 40,134
    Total People 25-34 Years 53,541
    Total People 35-44 Years 40,258
    Total People 45-54 Years 38,951
    Total People 55-59 Years 18,991
    Total People 60-64 Years 19,216
    Total People 65-75 Years 26,375
    Total People 75-84 Years 11,591
    Total People 85 Years and Older 4,167

    Household Employment Information for Columbia, South Carolina

    In the entire city of Columbia, there are approximately 127,907 households. When it comes to unemployment of those 127,907 about 32,650 of them contain residents who are currently out of work. However, 56,880 households contain at ,1 employed individual, 33,097 house 2 employed residents, and there are 5,280 homes with 3 or more residents who are employed.

    To learn more about the employment of other types of households in Columbia, take a look at the information below!

    Total Households with 1 Person 43,076
    1-Person Households with Unemployed Residents 17,460
    1- Person Households with 1 Employed Resident 25,616
    Total Households with 2 People 42,049
    2-Person Households with Unemployed Residents 10,438
    2- Person Households with 1 Employed Resident 15,918
    2-Person Households with 2 Employed Residents 15,693
    Total Households with 3 People 20,682
    3-Person Households with Unemployed Residents 2,535
    3- Person Households with 1 Employed Resident 8,056
    3-Person Households with 2 Employed Residents 7,715
    3-Person Households with 3+ EmployedResidents 2,376
    Total Households with 4 People 22,100
    4-Person Households with Unemployed Residents 2,217
    4- Person Households with 1 Employed Resident 7,290
    4-Person Households with 2 Employed Residents 9,689
    4-Person Households with 3+ EmployedResidents 2,904

    Living Information in Columbia, South Carolina

    Throughout the whole city of Columbia there are approximately 129,173 occupied households where 59,094 of those households are rented by the residents and 70,079 are owned.

    Between the years of 2015-2016 about 20,892 households were occupied by newly moved-in residents. Out of those 20,892 households, 15,818 were being rented while 5,074 were owned during that time. Between the years of 2010-2014 approximately 38,978 households were occupied by residents who just moved in. From those 38,978 households, 26,298 were rented and 12,680 were owned. From 2000-2009, residents of Columbia moved into about 29,996 households, with 23,770 of those households being owned and 6,226 being rented.

    Going back before the millennium, between 1990-1999 residents throughout Columbia began occupying about 13,612 households. During this time, about 12,117 of the households were owned and 1,495 were rented during this time period. But even before that, during 1989 and earlier, the people of Columbia moved into approximately 15,616 households throughout the city. During this time, people who were renting moved into about 931 of the those 15,616 households, and people who purchased / owned their homes started occupying about 14,685 households.

    Education of People in Columbia, South Carolina

    Wondering about education information about the people who live in Columbia, South Carolina? Check out some of the interesting educational statistics about Columbia below:

    Percent of People Who Have Not Graduated High School 4.71%
    Percent of People Who Have Graduated High School 12.37%
    Percent of People Who Started College 23.94%
    Percent of People Who Finished College 37.57%
    Percent of Homeowners Who Have Not Graduated High School 3.34%
    Percent of Homeowners Who Have Graduated High School 10.3%
    Percent of Homeowners Who Started College 20.31%
    Percent of Homeowners Who Finished College 44.6%
    Percent of Renters Who Have Not Graduated High School 6.64%
    Percent of Renters Who Have Graduated High School 14.78%
    Percent of Renters Who Started College 27.62%
    Percent of Renters Who Finished College 29.52%

    ChoiceCash Title Loans, Serviced by LoanMart in Columbia

    Looking for a way to get the emergency cash you need in Columbia? Good news! ChoiceCash Title Loans, serviced by LoanMart, services loans throughout the state of South Carolina. Call 855-422-7402 or visit ChoiceCash Title Loans online to get started today!