Car Title Loans in South Carolina

It is a loan secured by a vehicle you own. The title is the collateral, so a lien is recorded on it until the loan is repaid. You keep the car and keep driving it the whole time.

Yes. South Carolina residents can apply, verify and get funded without ever coming to an office. You fill out the online application, we verify your information online and by phone, and you FedEx the title to us.

No. Sending the online application is free and does not commit you to anything. You only take a loan if you are approved and decide to sign.

Anywhere in South Carolina. Our business location is in Loris, but customers from Charleston to Greenville and from Rock Hill to Hilton Head Island apply online and never need to travel.

People usually use one for something urgent: a car repair, a medical or utility bill, rent that is due before payday. A title loan can be approved on the strength of your vehicle and income even when your credit is weak.

No. Little credit, bad credit and no credit history are all fine to apply with. The decision rests mainly on your vehicle and your ability to make the payments.

You need a way to repay, not necessarily an employer. Wages, self-employment, retirement, Social Security or disability income can all count as long as you can document it.

Yes. What matters is that you have a steady source of income that covers the payments.

Have these ready: the vehicle title in your name, a valid photo ID, and proof of income such as pay stubs, a benefits letter or bank statements showing deposits. Our team will tell you how to send them.

Yes. If it is not, or you have lost it, the SC Department of Motor Vehicles (SCDMV) can transfer the title or issue a duplicate before you apply.

Yes. The title should match the state you live in. If you are traveling out of state, the paperwork still has to be signed in your home state.

No. There is no inspection and no need to bring the car anywhere. South Carolina residents verify online and FedEx the title to us.

Yes, you keep 100% use of it. We do not hold or store your vehicle. Just keep up with the payments.

Not always. On newer vehicles we can sometimes roll the last couple of payments into the title loan. Tell us what you still owe when you apply.

Yes, with some conditions. The underwriter will go over them with you when you review the loan.

It depends on what your vehicle is worth (year, make, model, mileage and condition) and on how much your income can comfortably repay. The online application asks for those details and the amount you want, so we can tell you what you qualify for.

Most applicants are pre-approved within minutes of applying. Final paperwork usually takes about 15 minutes of your time once your documents are in.

Once you are approved, you can get your money as soon as the next business day, and sometimes even the same day. Timing depends on how quickly your documents and signed paperwork come in.

No. Approved funds are deposited, so there is nothing to pick up and no office visit required.

No. You can pay extra or pay the whole loan off at any time with no penalty, and interest is charged only while you have a balance. Some lenders charge for early payoff; we never do.

There is a $15 lien recording fee, which is forwarded to the Department of Motor Vehicles to record the lien on your title. The loan example on this page shows the APR, payments and total interest.

Call us before the due date. A title loan is secured by your vehicle, so falling behind and not paying can put the vehicle at risk of repossession. We would much rather talk through your options early.

Call 843-444-2231. Customer service is available from 10 am to 8 pm, 7 days a week, before and after you apply.