# South Carolina — After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state

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, not quoted from the source)_
- **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, not quoted from the source)_
- **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: appears in the quote below)_
- **Section:** 37-5-111 _(verified: appears in its own passage below)_

## 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.

## 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.

## Source

- https://www.scstatehouse.gov/code/t37c005.php

Last verified: 2026-09-01. Review by: 2027-09-01.
Part of [After a car is repossessed, can you get it back by paying only what's late, or must you pay off the whole loan, by state](https://referencesource.org/vehicle-repossession-cure-rights-by-state/).