Apply for Your Platinum VIP Title Loan

Need some extra cash? Platinum VIP Title Loans from 1st Capital Finance can help you explore your options. Platinum VIP loans are made online only. We work to make the process hassle free, so you can get back to your day.

What happens next

Once the application is live, you will apply online and we will tell you what documents are needed (see requirements). Submitting this form is not a loan approval and does not obligate you to borrow. All loans are subject to approval, an online vehicle photo review and verification of your title, identity and income. Approval amounts depend on vehicle value and your ability to repay. The APR on a Platinum VIP loan will never exceed 35.99% (including the $15 lien fee), and your full disclosures are provided in writing before you sign anything.

More from the Platinum VIP team

Searching for title loans online when you need it fast can be extremely overwhelming. Stop searching and apply online.

You don’t need a new car to qualify for an online title loan. You can still qualify for a vehicle with an older vehicle as long as it has enough equity and you have a qualifying title in your name.

Proof of Income: Having a traditional job is not required to get a title loan. But, your lender will need to see proof of your ability to pay the loan back. While many title loan borrowers will use their recent pay stubs or bank statements to prove their income, you can use other documents! Submit proof of an alternative source of income during your application if you don’t have a regular job. For example, you can still apply for a car title loan online if you receive disability or retirement income.

Clear Car Title: You must have a clear car title in your name at the time of your application. If you have a lien on your car’s title from another title lender, you can explore your refinancing options if you meet the necessary criteria! If a lien is present on the title of your car because you are still making payments on your vehicle, some lenders may be willing to provide a title loan on a financed car. However, keep in mind that your vehicle must have enough positive equity to qualify as collateral for the loan. Therefore, your vehicle must be close to being paid off to potentially be eligible for that type of secured loan.

Proof of Identity: You will need a valid, government-issued photo ID to verify your identity. This could be something like your driver’s license or U.S. passport! Check with your lender to see what types of documentation they will accept for this requirement.

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.