Lancaster 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.
- LocationLancaster, SC
- CountyLancaster County
- How to apply100% online
Car Title Loans in Lancaster, SC
Getting a title loan in Lancaster does not mean a trip anywhere. Apply online and, once approved, you can have your money as soon as the next business day, and sometimes even the same day. Lancaster is the county seat of Lancaster County, with Andrew Jackson State Park to the north. US-521 and SC-9 both run through town.
About Lancaster
Lancaster mixes a historic downtown with fast-growing areas to the north. Many residents commute toward Fort Mill, Rock Hill and Charlotte.
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.
How to Apply from Lancaster
Use the application on this page or call 843-444-2231. Have your vehicle's year, make, model and mileage handy, along with the amount you need. After pre-approval, you finish verification online and FedEx the title to us. You never have to drive anywhere.
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.
Approval and Deposit Timing
Pre-approval usually takes minutes, and the paperwork about 15 minutes of your time. Once you are approved, funding comes as soon as the next business day, sometimes even the same day. Delays are usually caused by missing documents, so have them ready.
Credit Is Not the Deciding Factor
Little, bad or no credit is fine to apply with. We focus on your vehicle and your ability to repay. Wages, self-employment, retirement, Social Security and disability income can all count when you can document them.
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.
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. Lancaster customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: Lancaster Title Loans
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.
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 Lancaster 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.