Do I Need to Show my Car to Get a Title Loan in South Carolina?

You are here: Home » Blog » Do I Need to Show my Car to Get a Title Loan in South Carolina?
Do I Need to Show my Car to Get a Title Loan in South Carolina?

A car title loan is a loan where a person puts down their car’s title as collateral. The vehicle’s value is a large determining factor in the value of the loan. If someone is trying to get a car title loan in the state of South Carolina they are probably curious about the process. They might be wondering whether or not they have to show their car to get a title loan in the state of South Carolina. LoanMart’s title loan process typically does not require a traditional in-person inspection. However there still is some sort of process for showing the lender the condition of the vehicle being used in the car title loan.

Types of Car Inspections for Title Loans:

Title loan lenders may want to inspect the condition of the vehicle that they might be accepting, because physical condition may be a factor in the value of the vehicle. For example dents and scratches on the exterior or rips and tears on the interior may negatively impact a car’s value. While trim packages may increase a vehicle’s value. In addition the lenders will want to know if the car is in safe, working condition. There are generally three ways a lender may inspect a car:

  1. In Person – the lender will ask the borrower to bring their vehicle to their place of business and take a look at it there.
  2. Inspection Through Pictures – the lender will ask the borrower to send them several, specific pictures of their vehicle both inside and out.
  3. Online Checklist- The lender will have some type of checklist online for the borrower to fill out at home. This means essentially the borrower is doing the inspection themselves.

Some lenders may combine these ways to check the vehicle being put up as collateral. Most lenders nowadays do not require an in-person inspection while a small fraction may feel more protected by seeing the vehicle in-person.

Common Things That a Lender May Look for That May Affect a Vehicle’s Value:



  • Trim Packages
  • Aftermarket Upgrades
  • OEM Parts
  • History of Car Accidents
  • Visible Dents/Scratches
  • Rips and tears in the interior
  • Missing Parts or Broken Parts

What other Factors Affect the Value of A Car for Title Loans In South Carolina:

Along with the physical condition of the vehicle, most lenders may look at a car’s:

  • Make
  • Model
  • Year
  • Mileage

Looking at the condition and the factors above, lenders may go to places like Kelley Blue Book and then figure out how much the car is worth.

What If I Have More Than One Car?

If a person has more than one car it may be a good idea to let the lender know. Sometimes the secondary vehicle(s) may have more value than the primary vehicle that was being used for the car title loan. So it is a good idea to let the lender know about all of the vehicles that one has. For the other vehicles, the lender will go through the same type of vehicle inspection that they used on the first car.

What Kind of Car Inspection Does Loan Mart Require in South Carolina?

At LoanMart the type of inspection we require is one the most convenient types. A borrower does not need to leave their home, and all we ask for are several pictures of the vehicle being used for a car title loan.

Along with basic information about the vehicle. No matter where you go to get a title loan, (along with a vehicle inspection) a lender will probably need:

  • A Government-Issued Photo ID (A driver’s license, passport)
  • A Lien-Free Title For the Vehicle(s)
  • Proof Of Income (bank statements, paystubs)
  • Proof of Residence (a copy of your lease, utility bill, etc.)

At LoanMart we offer car title loans for the state of South Carolina, and we may be able to offer them in an easy way1.

When looking for a car title loan a lender may need to see the vehicle that is being used for the loan. However this does not always mean a traditional in-person inspection. A lot of lenders allow the borrower to do the inspection themselves online via checklist. Other lenders, like LoanMart, may ask for several pictures of the vehicle. The lender will take into consideration what the vehicle looks like inside and out. In addition they may take a look at other important things about the vehicle such as the make and the model. If a person has more than one vehicle it may be useful to let the lender know. At LoanMart we offer the borrower the convenience of staying at home. We service all across the United States including South Carolina. To get started give us a call at 877-787-4923 or email us at

Blog LoanMart South Carolina Resource