Use these examples to estimate what a Platinum VIP loan might cost. Each assumes 35.99% APR (including the $15 SC lien fee, which is added to your loan) and equal monthly payments.
| Amount you receive | Term | Monthly payment | Finance charge | Total of payments |
|---|---|---|---|---|
| $1,000 | 6 months | $184.59 | $107.54 | $1,107.54 |
| $1,000 | 12 months | $100.45 | $205.40 | $1,205.40 |
| $2,500 | 12 months | $251.14 | $513.68 | $3,013.68 |
| $2,500 | 24 months | $147.60 | $1,042.40 | $3,542.40 |
| $5,000 | 18 months | $363.51 | $1,543.18 | $6,543.18 |
| $5,000 | 24 months | $295.21 | $2,085.04 | $7,085.04 |
Examples assume a 35.99% APR, equal monthly payments, simple interest, payments made on time, and the $15 SC lien fee financed into the loan (included in the finance charge and APR). Rounded to the nearest cent. Your terms may differ; see your loan agreement.
Try your own numbers
Tips to save
Borrow only what you need, pick the shortest term you can comfortably afford, and pay early whenever possible — interest accrues on the outstanding balance, so extra payments reduce your cost. Estimates are not offers; your actual terms appear in your loan agreement. See rates & terms.
More from the Platinum VIP team
But in some cases, lenders may offer their help to get you a copy of your title if you plan on getting a car title loan with them. However, it’s recommended that you find out how they plan to help you get a copy of your missing title.
However, another instance is when you change your name after marriage or divorce. If this is the case, and the name on your title is misspelled, you may have to update the name and change the car’s title before you may attempt to get a car title loan.
But before we can help, there’s one thing to remember: You may qualify for a car title loan, even if there are multiple names under your car title. If you are noted as the legal owner, you can still submit the title for a car title loan.
If you see that your name on the title has an “or” between your name and another person’s name, you are still good to apply for a car title loan.
When you see that your name has “and” between your name and the other person’s name, the other person also legally owns the vehicle and you both need to apply together to get a car title loan.
If any of the following solutions does not help you retrieve your missing title, then contact us about your missing title situation and will see how we can use our knowledge on titles and car title loans to help you get that missing title back.
But once you have your missing title, you can finally go for that car title loan you’ve been looking for. But where to start? A good car title loan could be hard to come by, especially if you are not well-equipped or do not understand the intricacies of what makes a car title loan work.
Ready to get started?
Need some extra cash? Platinum VIP Title Loans from 1st Capital Finance can help you explore your options. Apply online. Maximum APR 35.99%; repayment terms 6–24 months.
Start My ApplicationAPR 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.