Spartanburg 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.
- LocationSpartanburg, SC
- CountySpartanburg County
- Population (2020 Census)38,732
- How to apply100% online
Car Title Loans in Spartanburg, SC
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. Spartanburg, the "Hub City," had 38,732 residents in the 2020 Census and is the seat of Spartanburg County. It is home to Wofford College, Converse University and USC Upstate, with Morgan Square at the center of its downtown.
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.
About Spartanburg
Spartanburg sits where I-85 and I-26 cross, which made it a center for manufacturing and distribution, including the many suppliers that serve the BMW plant nearby. Rotating shifts and overtime that comes and goes are part of life for many residents.
Requirements for Spartanburg 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.
Plant Shifts and Overtime
When overtime dries up, a monthly budget can come up short. Recent pay stubs, or bank statements showing your regular deposits, help us see your ability to repay.
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. Spartanburg customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: Spartanburg Title Loans
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 Spartanburg 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.
Do you make motorcycle title loans?
Yes, with some conditions that the underwriter will go over with you.