Florence 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.
- LocationFlorence, SC
- CountyFlorence County
- Population (2020 Census)39,899
- How to apply100% online
Borrow Against Your Vehicle in Florence
You do not need a storefront in Florence. Fill out the online application, get approved, and get your money as soon as the next business day, sometimes even the same day. Florence, with 39,899 residents in the 2020 Census, is the hub of the Pee Dee region, where I-95 and I-20 meet. It is home to Francis Marion University, a large regional medical community (MUSC Health Florence and McLeod Regional Medical Center) and the Florence Center, and its downtown has filled with new restaurants and shops.
Using Your Vehicle's Value
If you own a vehicle with a title in your name, that vehicle can secure a short-term loan. Because the loan is secured, your credit history matters far less than it would for a bank loan. You keep driving the vehicle the whole time.
Living and Working in Florence
Thanks to the interstates, Florence is a center for trucking, distribution and travel services, alongside hospital and plant jobs. Shift schedules and uneven overtime are common, and drivers here put a lot of miles on their vehicles.
What You Need to Apply
- A car, truck or SUV with the title in your name
- A valid photo ID, such as a South Carolina driver's license
- Proof of income: pay stubs, a benefits or retirement letter, or bank statements showing deposits
- A vehicle titled in the state where you live
If someone else is also listed on the title, tell us up front.
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.
Is a Title Loan Right for You?
A title loan is meant for a short-term need, not long-term borrowing. The cost is high (see the APR in the loan example below), and the vehicle is at risk if the loan is not repaid. If you have a cheaper option, compare it first. If you choose a title loan, paying it off early saves interest and never costs a penalty.
Benefits of an Online Title Loan
The biggest benefit is speed without travel. You apply in a few minutes, most applicants are pre-approved within minutes, and once approved your money can arrive as soon as the next business day, sometimes even the same day. You keep your vehicle, credit is not the deciding factor, and you can pay off early with no penalty.
Truckers and Long Commutes
Long drives mean more repairs. If an unexpected repair bill comes up, a title loan can cover it while you keep using the vehicle. If you are a self-employed driver, bank statements are usually the easiest way to show income.
You Keep Driving
We never hold your vehicle. You keep 100% use of it while you repay, so getting around Florence does not change. Motorcycle title loans are available too, with conditions the underwriter will explain.
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. Florence customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: Florence Title Loans
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 Florence 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.
Can I qualify without a job?
Possibly. You need a way to repay, which can be self-employment, retirement, Social Security or disability income, as long as you can document it.
Will I keep my car?
Yes. You keep full use of it while you repay. Keep up with the payments, because the vehicle secures the loan.