Title Loans in Charleston, South Carolina

Charleston's tourism, port, Boeing and hospital economy keeps people moving across the peninsula, West Ashley, James Island and North Charleston. Higher housing costs in the Lowcountry mean many residents look for affordable installment borrowing when surprise expenses hit.

If you live in or around Charleston, the Platinum VIP Title Loan gives you a way to borrow against your vehicle's equity at an APR that never exceeds 35.99%. Always quick, confidential and easy!

How Charleston residents use title loans

Common reasons our Charleston County customers borrow include utility bills, school expenses, travel for a family emergency, home repairs after a storm. Whatever the reason, we'll size your loan to your income so the payment fits your budget.

Example cost for a Charleston borrower

Borrowing $3,000 over 12 months at 35.99% APR: 12 payments of $301.37, a finance charge of $616.44, total of payments $3,616.44. (Illustrative only; see rates & terms.)

Serving Charleston and Charleston County

Platinum VIP loans are made entirely online, so Charleston residents can apply, upload documents and sign from home. Your lender is 1st Capital Finance of South Carolina Inc, 3420 Hwy 21 Ste B, Fort Mill, SC 29715, licensed in South Carolina (No. SL-1966027). Loans are available only to South Carolina residents. We work to make the process hassle free, so you can get back to your day.

What to bring

Vehicle photos, clear SC title in your name, photo ID, proof of income and proof of residence. Full list: requirements.

Nearby areas

We also serve North Charleston, Mount Pleasant. See our full service area.

More from the Platinum VIP team

And so, as you can see, these secured loans can be used for all kinds of financial needs. Once you get your loan approval, you can get the loan proceeds in as little as one business day. After you have those funds, you can use them right away!

The good news is that many lenders will provide you with a quote/ title loan estimate for all these terms. You can then plug them into our car title loan calculator to figure out what your monthly payment will look like. Our title loan calculator will also provide you with the total cost of borrowing and the estimated payoff date.

The earlier you pay off your loan, the less interest you will be paying. However not all title loan lenders offer this ability without fees or penalties. The good news is that the lenders that work with us allow pre-payment without any penalties or fees!

And so, not only could you find an affordable loan, to begin with, but you can pay it off as early as you would like!

After you fill out an online application, a loan agent will reach out to you and ask you list a few simple questions. From here your information will be looked at and if a lender is found, we will give you all the information over the phone to calculate a monthly payment.

Through title loans, you can access up to half or more of your car’s value! The more your car is worth, the higher your loan amount can typically be – as long as you can prove that you are capable of making payments.

If you use MasterCard, VISA, American Express, or other credit card providers, you may wonder how you can use your card to obtain cash. There are a few resources that you can take advantage of as a credit card holder with a bank account.

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.