Online Title Loans in South Carolina in South Carolina

Start your request online, upload your documents and vehicle photos, and sign electronically. The whole process is online, which lets us tell you exactly what to bring.

Online Title Loans in South Carolina with Platinum VIP pricing

Every Platinum VIP loan — whatever the online — 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

$1,200 over 12 months at 35.99% APR: payment $120.54/month, finance charge $246.48, total $1,446.48.

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: Goose Creek Gaffney Fort Mill Rock Hill. Related: How Lenders Review Title Loan Applications · Title Loans for Retirees and Benefits Recipients · Lost or Missing Car Title Help

More from the Platinum VIP team

Shared Responsibility: Both borrowers are equally responsible for repaying the loan, which can foster financial teamwork and shared accountability within the relationship.

Look for lenders that offer joint personal loans. Compare interest rates, fees, repayment terms, and eligibility requirements. Online lenders, traditional banks, and credit unions are all potential options.

Fill out the loan application together, ensuring all information is accurate and complete. You will both sign the application and any subsequent loan agreements.

Remember that both you and your spouse will be legally responsible for the entire loan amount. If one person defaults, the other will be responsible for the full repayment. Therefore, open communication and a clear understanding of your financial responsibilities are crucial when taking out a joint personal loan.

We work diligently with reputable lenders to ensure you receive competitive rates. Our goal is to find you the best possible deal with a reliable lender, so you’re never caught off guard.

We understand that this is easiest with terms that suit your needs. With our assistance, you can collaborate with your direct personal title loan lender to find a payment plan that potentially fits your budget.

If you do not reach out and miss payment after payment, a title lender can legally repossess your car. They may sell it to cover the remaining balance of your car title loan.

The letter will let the borrower know that the loan is in default and will provide a time frame to resolve the situation, i.e., paying the overdue amount or paying the loan in full. This letter is known as a “right to cure” notice.

In most cases, if you have left something important in the car, the lender will be required to send it back to you or allow you to retrieve it. After your car is repossessed, it is typically taken to a storage yard or a tow lot before it is auctioned off or sold. If you were to recover your vehicle, you may be required to pay storage and tow fees. This is in addition to your unpaid loan amount.

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.