Common Questions About Title Loans & Our Services
A title loan is a fast and easy way to borrow money using the title of your car as collateral for a loan. You can borrow up to $10,000 based on the current value of your vehicle.
At Dick’s Title Loans we process thousands of loans every week. We know there are lenders that charge high interest rates. Our rates are very competitive and we will adjust our loans to be manageable for your needs. Backed by our lowest rate guarantee you can rest assured we have the lowest rates in town.
Getting a loan on your car title is quick and easy process. Bring in your car, your North or South Carolina title, Proof of Income, Proof of Residence. We Will evaluate the value in your car and within 30 minutes or less you can be walking out with cash.
A lien free title means you own your vehicle without any loans or judgements against it. To get a loan from Dick’s Title Loans your vehicle must be free of any liens with a clear title.
You can get up to $10,000! The loan amount will vary according to the appraised value of your vehicle and your ability to repay the loan. We specialize in title loans and your loan is not determined by your credit history. Regardless if you have limited credit, no credit, or very good credit it does not affect your loan. We do not check your credit history for a title loan. We simply want to know your ability to repay the loan.
We have been a trusted lender for thousands of satisfied customers for over 29 years. Our rates are very competitive and we can have the cash you need in a little as 30 minutes. Dicks Title Loans are a family orientated business. We care about our family and we want you to be the best part of our family. Great customer service and a wonderful experience is what we strive for. We also guarantee the lowest rates in town.
No. You do not have to be currently employed. You do need to have some source of income: social security, disability, unemployment, rental income, or other source of income.
No credit, no worries, we are not going off your credit. We are focused on the value of your a vehicle and the ability to pay back the loan.
You must be at least 18 years of age and have the following items:
It is easy. Fill out I Want To Know How Much Cash I Can Get, or go to your nearest Dick’s Title Loan office and fill out an application. Your car, or boat will be appraised by our staff and you will know how much you can borrow right away.
Not a problem, just bring in your current contract and all required documents. We will buy that loan out with a lower interest rate and lowering your payments to save you money.
Yes you can. As long as you have an income you are eligible for a title loan at Dick’s Title Loans.
Yes. With a Title Loan the value of your vehicle replaces the need for a good credit history. The lien free title to your car, or boat is all the security you need for a loan. The money is yours to spend as you wish.
Fill out I Want To Know How Much Cash I Can Get. This will help us get started and save you time.
You can get a copy of your vehicle title from your local DMV office. A vehicle title is a legal document. We know sometimes they can be lost, damaged, or even stolen. It is not difficult to get a replacement and DMV will know what is needed to get your title. Most of the times you can get your title the same day. Sometimes a small fee is charged to replace the lost title.
Simply visit your local Dick’s Title Loan store before or on the day the payment is due. We accept cash, money orders, debit cards , credit cards and certified checks. We also accept payment over the phone. We do not accept personal checks or business checks. You will be given a customer receipt for your payment. Please keep the receipts for your records. If you have any questions about payments please give us a call.
We understand that occasionally some circumstances occur that may prevent an on time payment. If a payday falls on an odd day, or if you need a couple of extra days to make your payment we can work with you. Be sure to contact your Dick’s Title Loan store if an unexpected circumstance keeps you from making your payment on time.
We want to work with you to avoid any late payments or circumstances that cause late fees, additional charges, or even a collection. The key is communication! Check with us to see what options may be available to you. Always contact Dick’s Title Loans with any questions you may have about your loan.
Remember you can always pay your loan off early without any pre-payment penalties.