Title Loans in Columbia, South Carolina

As the state capital and home of the University of South Carolina and Fort Jackson, Columbia has a large population of state workers, students, service members and healthcare employees. Getting around the I-20, I-26 and I-77 interchange requires a reliable car.

If you live in or around Columbia, 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 Columbia residents use title loans

Common reasons our Richland County customers borrow include rent or mortgage shortfalls, utility bills, school expenses, travel for a family emergency. Whatever the reason, we'll size your loan to your income so the payment fits your budget.

Example cost for a Columbia borrower

Borrowing $2,500 over 18 months at 35.99% APR: 18 payments of $181.75, a finance charge of $771.50, total of payments $3,271.50. (Illustrative only; see rates & terms.)

Serving Columbia and Richland County

Platinum VIP loans are made entirely online, so Columbia 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.

Military borrowers

Active-duty service members and covered dependents are protected by the federal Military Lending Act, which limits the Military Annual Percentage Rate to 36%. Contact us to discuss eligibility.

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 Charleston, North Charleston. See our full service area.

More from the Platinum VIP team

Interest rates are perhaps the most confusing aspect of figuring out how much you’re going to pay. Most title loans have a fixed interest rate while others have an interest rate that reduces after every monthly on-time payment (more on this later).

The title loan calculator makes it easy to figure out how much everything will cost, however, one of the biggest factors behind a title loan balance is the amount of interest being accrued. You want to choose an interest rate that is realistic for a title loan. Though it is advisable to start with a higher number, as it is better to overestimate how much you’ll be required to pay than to underestimate it.

Some loans have Payments that reduce every month as the interest rate drops after every on-time monthly payment.

When using the title loan calculator, it may be helpful to know about the averages for the amount of money a title loan can provide.

Title loan amounts can vary from one lender to another; however, they generally range from a few hundred dollars up to a few thousand dollars.

For averages on loan amounts for your vehicle’s make and model check out our title loan value page, which includes a variety of vehicles.

Another important part of the title loan process is going to be income requirements. And so, before applying it will be a good idea to compile all your income sources. This can include things like contract work, part-time employment, retirement income, gifts/rewards, and even unemployment income.

By showing a lender all your income sources, you can provide proof of the ability to afford your monthly payment.

The great thing about title loans is that you do not need a good credit score or great credit history for approval. This is one of the main reasons that many people seek out this funding. Instead of credit history, title loans work by securing the loan amount with the borrower’s vehicle.

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.