You can’t predict when you’ll need cash for car repairs, medical emergencies or appliance repairs. Fortunately, you can count on Medlin Title Loans to come through when you need money fast. We provide title loans Columbia for all kinds of emergencies or when you need a little help making ends meet. Our application process is simple, and it only takes a few minutes to apply online. To qualify for a car title loan, you need to be at least 18, own your vehicle and hold a lien free title. Credit reports aren’t needed because your car title secures the loan. We can appreciate the fact that most people are in a hurry to get cash when there is an emergency, so we process loans quickly. From start to finish, our loan process takes about 24 hours or less. You collect your loan funds from one of our convenient loan center stores in the Columbia area and are free to use the cash for anything.

How to Apply for Title Loans Columbia

Applicants can apply using our online application. You can also apply at a loan center branch or over the phone. The application form requires the following information:

  • Your first and last name, phone number and zip code.
  • The make, model, body style and age of your vehicle to be used as collateral. We’ll also need a mileage estimate.

There is no cost to apply for loans, and Medlin Title Loans provides an instant online loan estimate to all new applicants immediately after applying. We encourage you to review your loan offer and continue with the loan process if you’re pleased with the amount.

Helpful Information About Auto Title Loans

Collateral

Medlin Title Loans requires collateral to secure our title loans Columbia. In our case, your vehicle is used as collateral. This helps to reduce our financial risks in case customers default on loans. As soon as loans are closed, we place a lien against the vehicle temporarily. Car titles are returned to borrowers when we receive the final loan payment.

As an added benefit, secured loans usually provide larger loan amounts for borrowers and may come with better interest rates, which helps to keep costs down.

How Loan Funds Are Determined

Essentially, loan funds are determined by the current market value of your auto submitted for collateral, your income and your ability to repay the loan. We take into consideration the age of your car or truck and whether it is in reasonably good condition. The vehicle information you supply about your vehicle is researched in the Kelly Blue Book database to come up with the current value. Naturally, newer vehicles usually rate higher values, which can mean a larger loan amount to borrowers.

Convenient Customer Services

Medlin Title Loans has a large staff of representatives on hand to take your calls, help with applications and answer questions. For your convenience, we also have a number of nearby loan center stores in and around Columbia where you can fill out an application, speak with a loan representative, make payments or collect loan funds.

No Credit Checks

Applicants shouldn’t be concerned they’ll be turned down for poor credit. As a matter a fact, we don’t pull credit scores or credit reports. Pulling credit scores can be time consuming, and this information really isn’t needed because these are secured loans.

Loan Funds

You won’t be asked why you want a loan or how you’ll spend your money. Our borrowers make their own spending decisions. Many folks use their funds to cover medical emergencies, rent, groceries or taxes.

No Driving Restrictions

Borrowers don’t have any driving restrictions. You may use your vehicle as you always have.

Fast Payouts

We make the extra effort to see that all approved borrowers receive their loan funds within a day or less after applying.

How the Title Loan Process Works

Application Requirements

  • You’ll need a state identification card or your driver’s license to confirm you are 18 or older to enter into a legal contract for a loan.
  • You should own a vehicle, which is completely paid for and have the title. Car titles should be lien free. You might want to verify that your name is listed as the legal owner on the title. In addition, vehicles must be in working condition.
  • You’ll need to have a source of income, which meets our qualifying requirements. Applicants discuss the amount and source of their income during the phone consultation for car titles Columbia.
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Loan Consultations

You’ll receive a call from a loan representative shortly after applying. We keep the consultation fairly brief, and it’s helpful if you have your income and monthly expense figures on hand when choosing a loan repayment package. The shortest loan terms are 30 days. However, if you need more time to repay the loan, we can custom design a new package to meet your budget concerns.

After you’re qualified for a loan, you’ll make arrangements to meet with your loan representative at a nearby loan center store where you’ll turn over the title to your vehicle and sign your contract.

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Signing Your Contract

All contracts for title loans Columbia are written according to state title loan regulations, which specify the terms of the loan. These are binding contracts, so take a few minutes to read and understand your financial obligations. Contracts will include the following information:

  • Your repayment schedule.
  • The total cost of the loan.
  • Applicable fees.
  • Minimum payment amounts.
  • The interest rate.
  • Your interest rate costs.

As soon as you sign your contract, you can collect your loan funds.

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Collect your Cash!

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Why wait? Get cash on your car title today!

Apply Now