North Myrtle Beach 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.
- LocationNorth Myrtle Beach, SC
- CountyHorry County
- Population (2020 Census)18,790
- How to apply100% online
Borrow Against Your Vehicle in North Myrtle Beach
North Myrtle Beach borrowers can handle the whole loan from a phone or computer: apply, verify and get funded. Once approved, money can arrive as soon as the next business day, and sometimes the same day. North Myrtle Beach covers the northern end of the Grand Strand, from Cherry Grove and Ocean Drive to Crescent Beach and Windy Hill, and had 18,790 residents in the 2020 Census. Ocean Drive is the birthplace of the shag, South Carolina's state dance, and Main Street still hosts shag festivals every year.
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.
Why North Myrtle Beach Residents Apply
Many North Myrtle Beach residents work in hospitality, restaurants, golf and retail, where income rises and falls with the tourist season. Pay stubs, tip records, bank statements and benefit letters can all help show income.
Requirements for North Myrtle Beach 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.
Sizing Your Loan
There is no one-size loan. Your vehicle's year, make, model, mileage and condition set the upper limit, and your income decides what payment makes sense. Check the loan example on this page to see how payments and interest add up before you choose an amount.
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.
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.
Off-Season Budgets
Winter hours on the Strand can be thin. If you need to bridge the slow months, bank statements from the busy season help show your yearly income.
Clear Costs
We publish a full sample loan (APR, term, payments and total interest) below, so you can see the cost before you apply. There is no prepayment penalty, and the only added fee is the $15 lien recording fee that 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. North Myrtle Beach customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: North Myrtle Beach Title Loans
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.
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.