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Understanding Auto Title Loans

You've probably heard of car title loans as a way to get yourself out of a cash crunch. But how exactly do they work? And are they really the best option for you? Before you sign on that dotted line, it's best to be clear about how auto title loans work and when they are most effective.


Cars For Cash


In order to get car title loans, you need to be the legal owner of your car. That is, you have to be entitled to your car. When you take out an auto loan, you basically put your car title up in exchange for money. What's beneficial about this option is that you still own the car, even though its title is on loan. This also means you can still use the car during your loan period.


This is a great money option for people looking for loans for bad credit. When you put your car title up, no credit check is run. You don't have to put up any collateral either - the title of your car is enough. Generally, you will have a set term to repay the loan when your car title loan is first issued. If you find you can't repay your car title loan on time, you can roll over the payment. There are 30 day interest free car title loans available with select companies and Smart Choice Title Loans is one such company. Auto title loans are well suited for short term money needs such as medical expenses, tuition, payroll needs, utitilities etc.


If you find yourself in need of some quick cash and you own a car, car title loans are definitely something to look into. They are also a good option if you have bad credit.  There is no credit check with a auto title loan so your credit score doesn't play in to the picture.

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Get Your Money And Go!

Receive $50 towards your first interest payment when you apply online and receive a loan.

This offer is not valid with any other promotions.

*In order to receive this internet incentive you must obtain a new loan with Smart Choice Title Loans and keep that loan out for at least thirty one days. If for any reason the loan is paid off before the thirty-one day time frame then you will forfeit this internet incentive.

*restrictions apply

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By registering with Smart Choice Title Loans, not only will you be added to our mailing list to receive news, offers, and promotions via email, you will also be eligible to win a $100 American Express™ gift card - absolutely free! Once every quarter, we will randomly select a winner from our registered guests. Why wait?  Register today for your chance to win.

Note: To qualify, registered guests must be at least 18 years old to win. No purchase required. Winners will be asked for their mailing address and telephone number in order to send the gift card.



Success Stories

My husband had lost his job.  He finally found a new job but we couldn’t pay our rent because we had used up all of our savings.  We just needed a loan to hold us over for two weeks until he got his first paycheck. 

Katie & John

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Smart Choice Title Loans © 2014
A consumer lending company providing cash for car title loans in South Carolina
Our car title loan offices are in the following South Carolina cities: Greenville, Greer, Columbia, Lexington, Easley and Rock Hill