Surfside 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.
- LocationSurfside Beach, SC
- CountyHorry County
- How to apply100% online
Borrow Against Your Vehicle in Surfside Beach
You do not need a storefront in Surfside Beach. Fill out the online application, get approved, and get your money as soon as the next business day, sometimes even the same day. Surfside Beach calls itself "The Family Beach" and sits on the south end of the Grand Strand just below Myrtle Beach.
How a Title Loan Works in Surfside Beach
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.
Living and Working in Surfside Beach
Surfside Beach has many retirees and families as well as hospitality workers.
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.
No Inspection, No Office Visit
You never have to bring the car anywhere. There is no vehicle inspection for South Carolina residents. You verify online and FedEx the title to us, and the vehicle never leaves Surfside Beach.
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. Surfside Beach customers never need to visit; the whole loan is handled online.
Frequently Asked Questions: Surfside Beach Title Loans
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.
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.