Car Title Loans in South Carolina

Sedans, coupes, SUVs, minivans and crossovers are the most common vehicles we lend against. Value is driven by year, make, model, mileage and condition — a well-maintained mid-size sedan or SUV often holds strong equity even at higher mileage.

Car Title Loans with Platinum VIP pricing

Every Platinum VIP loan — whatever the car — carries a maximum APR of 35.99%. That cap applies to every loan we make to South Carolina residents. Always quick, confidential and easy!

Sample cost

$800 over 6 months at 35.99% APR: payment $147.67/month, finance charge $86.02, total $886.02.

Is this right for you?

A title loan is secured by your vehicle, so it should be used for real needs and only when the payment fits your budget. Ask yourself whether the monthly payment above is affordable alongside rent, insurance and groceries. If not, consider borrowing less or one of the alternatives on our responsible lending page.

Next steps

Check the requirements, review rates & terms, then apply. We work to make the process hassle free, so you can get back to your day.

Popular in: Fort Mill Rock Hill Columbia Charleston. Related: Truck Title Loans · RV Title Loans · Van and Minivan Title Loans

More from the Platinum VIP team

You may be able to junk a car with a title loan, but you generally cannot treat the vehicle as if it has a clear title. When you take out a title loan, the lender typically places a lien on the vehicle’s title. This gives the lender a legal interest in the vehicle until the loan is satisfied or the lien is otherwise resolved.

If your car is totaled, no longer drivable, or in need of expensive repairs, contact your lender before arranging to junk it. The lender can explain the outstanding balance, its requirements for releasing the lien, and whether it will consider another arrangement. You will still owe the outstanding balance of the loan even if the car is junked or totaled.

A car title loan is a secured loan, meaning the vehicle serves as collateral for the money you borrow. The lender’s lien helps protect its interest in that collateral while the loan remains unpaid.

According to the Federal Trade Commission’s guide to car title loans, borrowers generally do not receive their title free of the lender’s interest until they repay the loan and satisfy the applicable requirements. Junking a vehicle involves more than simply handing over the keys. Depending on state requirements, you may need to transfer ownership, surrender the title, or provide specific documentation to a salvage yard.

An active lien can complicate those steps. Even if the car has little resale value, the outstanding loan does not automatically disappear because the vehicle is damaged or no longer operational.

Junking a vehicle does not automatically cancel your title loan. You may still owe the outstanding balance even if the car cannot be driven or is worth very little as scrap.

One possible option is to pay the loan in full before junking the car. Ask your lender for a current payoff amount, including any applicable fees, and find out how the lien will be released.

APR disclosure: The Platinum VIP Title Loan carries a maximum Annual Percentage Rate (APR) of 35.99%, which includes the $15 South Carolina lien fee. Your actual APR, finance charge, payment amount and term are disclosed in your written loan agreement before you sign. A title loan is secured by your vehicle; if you do not repay as agreed, your vehicle may be repossessed. Borrow only what you can afford to repay. Loans are made by 1st Capital Finance of South Carolina Inc, the lender, 3420 Hwy 21 Ste B, Fort Mill, SC 29715. 1st Capital Finance of South Carolina Inc is licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division, as a Supervised Lender (License No. SL-1966027) under S.C. Code § 37-3-503. Loans are available only to South Carolina residents and are originated online. Submitting information on this website does not guarantee loan approval.