Title Loans in Lexington, South Carolina

Lexington and the Lake Murray area have grown rapidly as a Columbia suburb. Families commuting on US-378 and I-20 rely on their vehicles daily.

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

Common reasons our Lexington County customers borrow include medical and dental bills, rent or mortgage shortfalls, utility bills, school expenses. Whatever the reason, we'll size your loan to your income so the payment fits your budget.

Example cost for a Lexington borrower

Borrowing $2,500 over 12 months at 35.99% APR: 12 payments of $251.14, a finance charge of $513.68, total of payments $3,013.68. (Illustrative only; see rates & terms.)

Serving Lexington and Lexington County

Platinum VIP loans are made entirely online, so Lexington 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 Mount Pleasant, Lancaster. See our full service area.

More from the Platinum VIP team

Credit Mix: Having multiple kinds of debt can actually be seen as a positive when it comes to calculating your credit score. This shows lenders that you are capable of handling different types of debt, including revolving credit lines, installment loans, title loans, and more.

Recent Credit Activity: If you are applying for new credit or opening a new account, that can impact your score. Generally, it’s recommended to only have 2 hard inquiries per year on your credit report.

If you’re wondering, “How good is a 560 credit score?” The answer is that your score can hold you back in a lot more ways than you might think. In many cases, you won’t be able to get a traditional bank loan with a 560 credit score. This is due to the fact that your score falls into the bad credit range. Many traditional lenders will view you as a higher credit risk, which could mean that you are unlikely to pay back your debt.

Even though traditional bank loans may be off the table, that does not mean you are out of options. Some loans can cater to individuals without strong credit scores. Generally, using collateral for a loan can make the inquiry process much more flexible.

Therefore, your credit score may not carry as much weight as other factors! With car title loans, your car’s value and your income are the stars of the show in terms of your loan eligibility. While some title lenders may review your credit during your loan inquiry, others will not consider it.

In some cases, having a new budget may include getting a debt consolidation loan to condense your debt into one singular payment. This can make it easier to pay off your loans and focus on one payment per month instead of multiple ones. On top of paying your loans on time, your focus should be to keep your credit utilization low.

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.