Truck Title Loans in South Carolina

Pickup trucks hold their value exceptionally well in South Carolina, where they double as work vehicles for contractors, farmers and tradespeople. Half-ton, three-quarter-ton and one-ton trucks can all qualify; work equipment that is permanently installed may factor into value.

Truck Title Loans with Platinum VIP pricing

Every Platinum VIP loan — whatever the pickup truck — 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

$1,200 over 12 months at 35.99% APR: payment $120.54/month, finance charge $246.48, total $1,446.48.

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: Motorcycle Title Loans · SUV Title Loans · Commercial Vehicle Title Loans

More from the Platinum VIP team

Once the lien has been properly released and the title documentation is updated as required, you can generally proceed with transferring or disposing of the vehicle, subject to state rules.

However, if your vehicle has very little value, the payoff amount may be much higher than what you could receive from a junkyard. Compare the costs before deciding how to proceed.

If you cannot afford to pay off the loan, contact the lender to discuss your situation. Explain that the vehicle is no longer usable and ask whether any options are available.

Depending on the lender and the circumstances, you may be able to discuss a negotiated payoff, another repayment arrangement, or a process for handling the damaged vehicle. Do not assume that a lender will agree to release its lien in exchange for the car’s scrap value.

A vehicle that no longer runs may still have value for its parts, metal, or salvageable components. Obtain quotes from more than one reputable junkyard or salvage buyer if possible.

For example, imagine your car has an outstanding title loan balance of $2,000, but a salvage yard offers $500 for the vehicle. The $500 offer does not automatically satisfy the $2,000 debt. You would need to work with your lender to determine how the vehicle can be transferred and how the remaining balance must be handled.

Before making arrangements with a junkyard, take these steps to understand your options and avoid unnecessary complications.

Step 1: Contact your lender. Explain the vehicle’s condition and ask for the current payoff balance, lien-release requirements, and any available alternatives.

Step 3: Get junkyard or salvage quotes. Compare offers, but tell potential buyers that the vehicle has an outstanding title loan. Ask what documentation they require before accepting the vehicle.

Step 4: Review your loan agreement. Check the terms regarding collateral, default, insurance, and the lender’s rights if the vehicle is damaged or destroyed.

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.