Charleston residents never need to visit an office or bring the car in. Apply online, verify online and FedEx the title to us. Once approved, funding comes as soon as the next business day, sometimes even the same day. Not every application is approved, and funding time depends on when your documents and signed paperwork are complete.
- LocationCharleston, SC
- CountyCharleston and Berkeley counties
- Population (2020 Census)150,227
- How to apply100% online
Charleston Title Loans Online
Apply online, get approved, and get your money as soon as the next business day, sometimes even the same day. You never have to visit an office or bring the car in. Charleston is South Carolina's largest city, with 150,227 residents counted in the 2020 Census. Founded in 1670, it grew up on the peninsula where the Ashley and Cooper rivers meet, and today it reaches west of the Ashley, onto James and Johns islands and over to Daniel Island in Berkeley County.
How a Title Loan Works in Charleston
A title loan is borrowed against a car, truck or SUV you own. The title secures the loan, a lien is recorded on it, and the lien comes off when you pay the balance. You keep the vehicle and drive it every day while you repay. Approval is based mostly on the vehicle and on your ability to make the payments, not on a credit score.
Charleston at a Glance
The city's paychecks come from tourism and restaurants around King Street and the historic district, the Port of Charleston, the Medical University of South Carolina and hospital system, the College of Charleston and The Citadel. Restaurant and hotel work in particular can mean tips and hours that swing from week to week.
Requirements for Charleston Borrowers
You need to be an adult South Carolina resident who owns a vehicle with the title in your name and has a way to repay. Income can come from a job, self-employment, retirement, Social Security or disability. Have your title, photo ID and proof of income ready, and verification goes quickly.
How Much Can You Borrow?
The amount depends on two things: what your vehicle is worth (year, make, model, mileage and condition) and how much your income can comfortably repay. Enter your vehicle details and the amount you want on the application, and we will tell you what you qualify for. Borrow only what you need.
Know the Risks
Title loans are expensive compared with bank loans. The sample loan below has a 300% APR. Because the vehicle secures the loan, missing payments can lead to repossession. Borrow only what you need, have a plan to pay it back, and call us before a due date if you think you will have trouble.
Do I Have to Show You My Car?
No. There is no inspection and no need to drive anywhere. Send your documents online and FedEx the title to us. That is all it takes.
Hurricane Season and Flooding
Low-lying Charleston streets flood at king tides and in heavy rain, and hurricane season can mean evacuation costs, generator fuel or a flooded car repair nobody budgeted for. If a storm bill lands before payday, you can apply online from wherever you are, even if you have evacuated inland.
Pay Off Early, No Penalty
There is no prepayment penalty. Pay extra or pay the whole balance whenever you are ready, and interest is charged only while you have a balance. The only added fee is the $15 lien recording fee, which goes to the Department of Motor Vehicles.
Questions? Call Us
Call 843-444-2231 before or after you apply. Customer service is available from 10 am to 8 pm, 7 days a week. Our business location is 1st Capital, 3210 Highway 701 North Suite 104, Loris, SC 29569. Charleston customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: Charleston Title Loans
I live on James Island (or Johns Island, Daniel Island or West Ashley). Can I apply?
Yes. Every part of the Charleston area is covered, and because the whole process is online, your neighborhood does not change anything about how you apply or get funded.
How soon could I have the money?
Most applicants are pre-approved within minutes. Once approved, you can get your money as soon as the next business day, sometimes even the same day. Timing depends on when your documents and signed paperwork come in.
Does my car have to be paid off?
Not always. On newer vehicles we can sometimes roll the last couple of payments into the title loan.
Is there a penalty for paying early?
No. Pay off any time without a penalty; interest is charged only while you carry a balance.
Can I get a title loan in Charleston completely online?
Yes. You apply, verify and get funded online. South Carolina residents FedEx the title to us, so there is no trip to an office and no inspection.