Boat Title Loans in South Carolina

A boat with a clear title in your name can be used as collateral, depending on your lender. Boat value depends on make, model, year, engine hours and condition.

Boat Title Loans with Platinum VIP pricing

Every Platinum VIP loan — whatever the boat — carries a maximum APR of 35.99%. That cap applies to every loan we make to South Carolina residents. Always quick, confidential and easy!

Sample cost

$4,000 over 24 months at 35.99% APR: payment $236.16/month, finance charge $1,667.84, total $5,667.84.

Is this right for you?

A title loan is secured by your vehicle, so it should be used for real needs and only when the payment fits your budget. Ask yourself whether the monthly payment above is affordable alongside rent, insurance and groceries. If not, consider borrowing less or one of the alternatives on our responsible lending page.

Next steps

Check the requirements, review rates & terms, then apply. We work to make the process hassle free, so you can get back to your day.

Popular in: Greenwood Orangeburg Summerville Lexington. Related: Title Loan Buyout · Using a Title Loan for Home Improvements · Car Title Loans

More from the Platinum VIP team

Depending on your lender, you may be required to provide other key documents, such as proof of insurance. It’s recommended that you gather your paperwork in advance to make sure that your inquiry process is as smooth as possible! Having all the necessary documents ready ahead of time will save you time and help to avoid any potential delays. Additionally, having all the documents in one place will make it easier for the lender to review your loan inquiry.

Boat title loans are secured by the title to your asset, and if you are unable to manage your payments, the lender may decide to keep your vehicle and sell it at auction to recover the remaining balance of your loan. Before you default on your loan, make sure to reach out to your lender and discuss your available options to potentially avoid repossession and work out an alternative solution.

The exact amount you can access depends on the value of your boat, along with your ability to repay the loan and other key factors like your lender’s policies. Depending on the applicable factors, you can get up to half of your boat’s value through a title loan!

Struggling with your finances is never easy, but you aren’t alone if you can’t make ends meet. Many Americans live paycheck to paycheck, and one unexpected expense can devastate a person’s budget. If you have a paid-off boat, you might be considering inquiring about boat title pans to get extra funding!

Secondly, before receiving your money, you will be asked to hand over your car’s title to the lender. This is to place a lien on it. The lienholder keeps your title for the duration of the loan. However, you can drive off with your car like normal if you make your payments on time.

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.