Urgent needs for larger amounts of cash can arise when we least expect them. Medical bills are one of the most common, surprising, and demanding needs, and these can’t be ignored. If you need cash, and a typical payday loan just won’t cut it, consider a car title loan.
A car title loan is a short-term loan in which the borrower’s car is used as collateral. This type of loan is a no-credit-check loan, which means your credit score won’t be checked through Experian or other such credit agencies. So, even if your credit report has prevented you from receiving loans at other financial institutions in the past, you’ll be able to walk away with cash fast.
Here at Cash Fast Loan Centers, we assess each borrower’s needs and create a loan to suit that individual. The amount you can borrow depends on your car’s worth and your ability to make monthly payments. Because your car is being used as collateral, and is a piece of property with high value, car title loans tend to make larger sums of money available to you, the borrower.
Just as we tailor each car title loan to suit our customers, our repayment plans are also as unique as our customers’ needs. Unlike other short-term loan companies, this means we can guarantee affordable monthly payments. This is because it is important to us that you are able to feel comfortable while repaying your loan.
Visit our loan office in Fort Mill SC
If you’re interested in securing a car title loan today, then visit us at one of our many office locations! Whether you live in Gastonia, Fort Mill, or beyond, we are here to help you. Simply fill out the Title Loan form on our website, and one of our friendly staff members will be in contact with you soon.
You’ll only be required to bring a few items to our office to start the process. These items include:
Vehicle Title
This is the most important document, as it proves that you own your vehicle free and clear. Without the title, we cannot place a lien on the car to secure your loan. If your title is misplaced, you may need to request a duplicate from your local DMV before applying.
Vehicle Registration
Your registration shows that your car is legally registered in your name. This helps confirm ownership and ensures that the vehicle being used as collateral is up to date with state requirements. Having a valid registration can help avoid delays in your loan approval.
Driver’s License or Government-Issued ID
A valid ID is required to verify your identity and prevent fraud. It ensures we are lending responsibly and that the loan agreement is tied to the correct person. Both driver’s licenses and state-issued IDs are typically accepted.
Most Recent Pay Stub or Proof of Income
Proof of income helps us understand your repayment ability and determine how much you qualify to borrow. If you don’t receive pay stubs, bank statements, benefits letters, or other proof of income can usually be used. Showing steady income increases your chances of approval.
Social Security Card
Your social security card helps us confirm your identity during the application process. It may also be used for credit checks or to verify your employment history. Keeping this document handy ensures there are no holdups when finalizing paperwork.
Proof of Address (e.g., utility bill or official mail)
A recent utility bill, bank statement, or other official mail with your name and address verifies your current residence. This helps us complete your loan documents accurately and confirm where official correspondence should be sent. Make sure the proof of address is recent, typically within the last 30–60 days.
We provide quick, friendly service to help you acquire a car title loan within 15 minutes. This means you’ll be able to walk out of our office with cash to immediately tend to any urgent needs. So, don’t delay any longer. Contact us today!
Frequently Asked Questions
How does a car title loan work?
A car title loan lets you borrow money by using your vehicle as collateral. You hand over the title temporarily and receive cash based on your car’s value and your income.
Do I need good credit to get a car title loan?
No. Car title loans do not require credit checks, so you can qualify even with poor or limited credit history.
How much money can I borrow with a car title loan?
The loan amount depends on your vehicle’s value and your ability to make monthly payments. Newer or higher-value cars usually allow for larger loan amounts.
Can I still drive my car after getting a title loan?
Yes. You keep your vehicle and continue using it as normal while making your monthly payments.
What documents do I need to apply?
You’ll need your vehicle title, registration, ID, proof of income, Social Security card, and proof of address. Bringing complete documents helps speed up the process.
What happens if I lost my car title?
You can request a duplicate title from your local DMV. You must have the title in your name before applying for a car title loan.
Do you offer car title loans outside Charlotte?
Yes. You can visit one of the nearby offices, including locations in Gastonia, Fort Mill, and other surrounding areas.
