About Platinum VIP Title Loans

Platinum VIP Title Loans is the low-rate title loan program of 1st Capital Finance of South Carolina Inc, a South Carolina licensed lender based in Fort Mill. Our motto has always been simple: Always quick, confidential and easy!

For years our customers told us the same thing: they valued the speed and respect they got from our team, and they wanted a lower rate. Platinum VIP is the answer — the same hassle-free process, with the APR capped below 36% (35.99% maximum APR).

What we believe

• Clear pricing, disclosed before you sign.
• Loans sized to what you can repay.
• Treating every customer with confidentiality and respect.
• We work to make the process hassle free, so you can get back to your day.

Licensing

1st Capital Finance of South Carolina Inc is licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division, as a Supervised Lender (License No. SL-1966027) under S.C. Code § 37-3-503. The license was issued January 18, 2024 for business at 3420 Hwy 21 Ste B, Fort Mill, SC 29715. We are the lender: your loan is made, serviced and decided by 1st Capital Finance of South Carolina Inc, not referred to a third party.

Learn more about our responsible lending practices or see our service area. We are a South Carolina business serving South Carolina families, and we plan to be here for the long run — which is why we would rather make a smaller loan you can comfortably repay than a bigger loan that puts your vehicle at risk. If you have feedback about your experience, we want to hear it; contact us any time.

More from the Platinum VIP team

P – Professionalism : We uphold professionalism and integrity in every interaction with consumers and partners.

O – Opportunity : We create opportunities for all, fostering innovation and inclusion in the financial services sector.

R – Responsibility : We take responsibility in providing financial strength and growth for our staff and clients.

P – Partnership : We value strong partnerships with our consumers, lenders, and communities, working together for mutual success.

By maintaining this position, we ensure that our company remains a space dedicated to collaboration, innovation, and success, without becoming involved in political or social controversies.

Can I Still Drive My Vehicle if I Have a Title Loan?Absolutely! You keep hold of your car during the entire duration of your title loan. The research that goes into car title loans can be messy and hard to get through. We get it. The information that is presented either argues against your options...

When you are in the process of paying off your car, you might by some unfortunate stroke of bad luck get into a financial jam and need a bit of help to get yourself back on your feet again. However, car debt you still have to pay off could end up being a bit of...

When you need a sizable sum of money in a hurry to take care of an unexpected bill or expense, you might not know what options are available to you to get you out of financial hot water. A car title loan may be just the thing you need! You may even keep driving your...

The answer is yes to some degree, but that’s because it depends on several factors. For instance, there are several ways that a name might appear in a car title. So, if one’s name does appear, but it has someone else’s name as well, the words between both makes a big difference for the owner...

APR disclosure: The Platinum VIP Title Loan carries a maximum Annual Percentage Rate (APR) of 35.99%, which includes the $15 South Carolina lien fee. Your actual APR, finance charge, payment amount and term are disclosed in your written loan agreement before you sign. A title loan is secured by your vehicle; if you do not repay as agreed, your vehicle may be repossessed. Borrow only what you can afford to repay. Loans are made by 1st Capital Finance of South Carolina Inc, the lender, 3420 Hwy 21 Ste B, Fort Mill, SC 29715. 1st Capital Finance of South Carolina Inc is licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division, as a Supervised Lender (License No. SL-1966027) under S.C. Code § 37-3-503. Loans are available only to South Carolina residents and are originated online. Submitting information on this website does not guarantee loan approval.