South Carolina
For South Carolina, how the statute states the right is the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; section is 37-5-111, verified against its source on 2026-09-01.
- State
- South Carolina our reading
- What the borrower can do to get the vehicle back
- A pre-repossession right to cure by paying only the arrears, the same shape as Wisconsin, Kansas and Colorado. A creditor may neither accelerate the unpaid balance nor take possession of or otherwise enforce a security interest in the collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until that period expires, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges; cure restores the consumer to his rights under the agreement as though the defaults had not occurred. No further right to cure on the same obligation within 12 months of an earlier cure notice. our reading
- How the statute states the right
- the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges verified
- Section
- 37-5-111 verified
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
With respect to a secured or unsecured consumer credit transaction payable in two or more installments, except as provided in subsection (2), after a default consisting only of the consumer's failure to make a required payment, a creditor, because of that default, may neither accelerate maturity of the unpaid balance of the obligation, nor take possession of or otherwise enforce a security interest in goods that are collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his rights under the agreement as though the defaults had not occurred.
— scstatehouse.gov, retrieved 2026-09-01
Where each value comes from
This source states these in separate places, so each value is shown with the passage that states it.
What the borrower can do to get the vehicle back
With respect to a secured or unsecured consumer credit transaction payable in two or more installments, except as provided in subsection (2), after a default consisting only of the consumer's failure to make a required payment, a creditor, because of that default, may neither accelerate maturity of the unpaid balance of the obligation, nor take possession of or otherwise enforce a security interest in goods that are collateral until twenty days after a notice of the consumer's right to cure (Section 37-5-110) is given. Until expiration of the minimum applicable period after the notice is given, the consumer may cure all defaults consisting of a failure to make the required payment by tendering the amount of all unpaid sums due at the time of the tender, without acceleration, plus any unpaid delinquency or deferral charges. Cure restores the consumer to his rights under the agreement as though the defaults had not occurred.
Section
SECTION 37-5-111. Cure of default.
— all from scstatehouse.gov, retrieved 2026-09-01
Source
- scstatehouse.govhttps://www.scstatehouse.gov/code/t37c005.php