Title Loans for Self-Employed Borrowers in South Carolina

Self-employed borrowers, gig workers and small-business owners can qualify by showing income through bank statements, 1099s or tax returns.

Title Loans for Self-Employed Borrowers with Platinum VIP pricing

Every Platinum VIP loan — whatever the self-employed income — 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

$3,000 over 24 months at 35.99% APR: payment $177.12/month, finance charge $1,250.88, total $4,250.88.

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: Columbia Charleston North Charleston Greenville. Related: Title Loans for Retirees and Benefits Recipients · Lost or Missing Car Title Help · APR Explained: What 35.99% Means

More from the Platinum VIP team

Continued Access to Your Car: If you’re like many borrowers who have daily commutes to work or school, you may worry about losing access to your vehicle once you receive your title loan funding. Fortunately, you can keep driving your car like you normally would as long as you’re on time with your monthly payments! If your financial situation changes during the repayment period, you can always communicate your issues with your lender to discuss any potential solutions. You can try requesting a loan extension, modification, or a title loan refinance if you need more time to catch up with your payments.

If you can’t pay your loan, don’t wait for title loan companies to find your car. The first step you should take is to contact your title loan agent. They can help you discuss your options, such as refinancing or asking for something called a loan extension. With a loan extension, you can skip a certain number of payments. The payments will be added to the end of your loan. This does increase the duration of your loan, but it can be helpful if you are experiencing temporary hardship.

It depends. Some title lenders will require that your vehicle has a GPS tracker if the loan is quite large and the vehicle is valuable. Make sure to talk to your lender about this before you sign a loan agreement.

Your car needs to have enough positive equity to qualify as collateral for a title loan. You don’t need a fully paid-off car in some cases, but your car’s market value must be significantly greater than what you owe on your car loan.

Your car’s market value is a reflection of an accumulation of factors. This includes its age, make and model, trim level, upgrades, and aftermarket modifications. Other factors, like consumer demand and its accident / maintenance history, can also impact your vehicle’s market value. Some vehicles have more consumer demand than others!

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.