Lake City 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.
- LocationLake City, SC
- CountyFlorence County
- How to apply100% online
Lake City 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. Lake City is a Florence County town known for the ArtFields art festival, along US-52.
How a Title Loan Works in Lake City
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.
Lake City at a Glance
Lake City is a small agricultural and arts community where people depend on their vehicles.
Your Document Checklist
- Title in your name (if it is not, the SCDMV can transfer it or issue a duplicate)
- Driver's license or other government photo ID
- Recent proof of income, from any steady source
That is the short list. Our team will tell you exactly how to send each item.
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.
The Downside to Consider
Every loan has trade-offs. With a title loan, the main ones are cost and risk: the interest rate is high, and the vehicle secures the debt, so falling behind can put it at risk of repossession. Talk to us early if money gets tight. We would rather work something out than see you fall behind.
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.
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. Lake City customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: Lake City 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 Lake City 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.