Columbia 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.
- LocationColumbia, SC
- CountyRichland and Lexington counties
- Population (2020 Census)136,632
- How to apply100% online
Car Title Loans in Columbia, SC
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. Columbia is the state capital and, with 136,632 people in the 2020 Census, South Carolina's second-largest city. It is home to the State House, the University of South Carolina and Fort Jackson, the Army's largest basic training post. I-20, I-26 and I-77 meet here, and the Broad and Saluda rivers join beside downtown to form the Congaree.
What Is a Car Title Loan?
Think of it as using the value already sitting in your vehicle. You pledge the title as collateral, we record a lien, and you get the money while the car stays in your driveway. Once the loan is paid, the lien is released and the title is clear again.
Columbia at a Glance
Columbia's workforce includes state employees, university faculty and staff, soldiers and civilians at Fort Jackson, hospital workers, and a large retail and restaurant sector in the Vista and along Two Notch and Harbison. Pay schedules vary, and an unexpected bill often arrives between paydays.
Requirements for Columbia 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.
What Decides Your Loan Amount
We look at your vehicle's value and your ability to repay. A newer vehicle with lower mileage usually supports a larger loan than an older one, but older vehicles can qualify too. Tell us the amount you need on the application, and we will work out what fits your budget.
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.
What Sets Our Title Loans Apart
We keep it simple: no inspection, no office visit, no prepayment penalty, and a full sample loan with the APR printed on every page so you know the cost up front. Customer service is available from 10 am to 8 pm, 7 days a week.
Students, Soldiers and Out-of-State Titles
Many Columbia residents moved here for school or military service and still have a vehicle titled in another state. Your title needs to match the state where you live. If you have an out-of-state title, call us before you apply so we can tell you where you stand.
Keep Your Car, Truck or Motorcycle
Your keys stay with you. You have full use of the vehicle the whole time you are paying the loan back. We also make motorcycle title loans, with some conditions the underwriter will go over.
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. Columbia customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: Columbia Title Loans
I am stationed at Fort Jackson. Can I apply?
You can apply if you live in South Carolina and your vehicle is titled in the state where you live. If your title was issued somewhere else, call us first and we will explain your options.
Do you make motorcycle title loans?
Yes, with some conditions that the underwriter will go over with you.
Do I need good credit?
No. Little, bad or no credit is fine to apply with. We focus on the vehicle and your ability to repay.
Can I apply if the title is not in my name?
No. The title has to be in your name. The SC Department of Motor Vehicles can transfer a title or issue a duplicate.
What if I can't make a payment?
Call us before the due date. Missed payments on a title loan can put the vehicle at risk of repossession, so it is important to talk early.