Loris residents: FedEx the title to us and get cash the same day. You do not need to bring the car in. Prefer to visit? Our nearest office is listed on this page.
Car Title Loans in Loris, SC
Loris 1st Capital is located at 1660 Hwy 701 in Loris, in northern Horry County. Loris is a small town known for its annual Bog-Off festival, and it sits where US-701 and SC-9 cross, a short drive from the North Carolina line. That location makes our office easy to reach for borrowers across the northern part of the county. Call 843-756-4433 before you come in.
Serving Northern Horry County
Our Loris office serves borrowers from Loris itself and from surrounding communities like Green Sea, Longs, Conway and the North Myrtle Beach area along SC-9. We also hear from people across the state line. South Carolina residents can complete a loan 100% online. Your vehicle needs to be titled in the same state where you live.
Credit Is Not a Barrier
You can have little, bad or even no credit at all. That is one of the great things about a car title loan. We look at the vehicle you own and whether you have a source of income to repay. Farm and seasonal work, self-employment, retirement and disability income can all count when you can show it.
Keep Your Vehicle
We do not hold your vehicle. You have 100% use of it while you repay, which matters in a rural area where you need a car or truck to get anywhere. Motorcycle title loans are available too, with conditions the underwriter will explain.
Seasonal Bills, Coastal Life
Northern Horry County households deal with storm prep, tourism-season schedules and the cost of long drives to work. A title loan is one way to bridge a short-term gap using a vehicle you already own, without a credit check standing in the way.
How to Get Started
Apply online on this page or call the Loris office. We will have you pre-approved in a matter of minutes. South Carolina residents can complete it 100% online, or visit our nearest office if you prefer, at 1660 Hwy 701. Have your title, a photo ID and proof of income ready. The paperwork is about 15 minutes of your time.
Common Questions in Loris
Is my car required to be paid off? On newer cars, we can sometimes incorporate the last couple payments into a car title loan. Am I eligible if I'm retired? Yes. You can even be on disability. The key issue is having a source of income to pay the loan.
No Prepayment Penalty
Pay off early whenever you can. There is no prepayment penalty and you are only charged interest while you carry a balance. A $15 lien recording fee is forwarded to the Department of Motor Vehicles to record the lien on your title. The sample loan with APR and payment schedule appears below; please read it before applying.
Tips for Your Visit
Hwy 701 is the main route through Loris, so the office is easy to find whether you are coming from Tabor City to the north or Conway to the south. Bring the paper title in your name, a photo ID and a recent pay stub, benefit letter or bank statement. If anyone else is listed on the title, call 843-756-4433 first so we can explain what is needed.