Using a Title Loan for Home Improvements in South Carolina

A roof leak or broken HVAC system can not wait. A 35.99% APR title loan is one way South Carolina homeowners fund urgent repairs.

Planning a home repair loan

Start with a written estimate from a licensed South Carolina contractor, and ask whether the work can be phased so you borrow less up front. Compare the monthly payment on a Platinum VIP loan with any financing the contractor offers, and check whether your homeowners insurance covers storm, wind or water damage before you borrow. For a roof, HVAC system or water heater, ask about manufacturer rebates and utility efficiency programs that can lower the out-of-pocket cost.

Because a title loan is secured by your vehicle, think about how you get to work if something goes wrong. Choose a term between six and twenty-four months that leaves room in your budget for groceries, insurance and fuel. Keep receipts and the contractor contract with your loan paperwork. If your repair cost changes after you apply, contact us before you sign so we can adjust the amount; borrowing only what the job requires keeps your finance charge lower.

Many homeowners in the Midlands and Lowcountry face sudden repairs after summer storms. Our online process lets you apply, upload your title and vehicle photos, and sign electronically without taking time away from the repair work at home.

Using a Title Loan for Home Improvements with Platinum VIP pricing

Every Platinum VIP loan — whatever the home improvement — 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

$2,000 over 18 months at 35.99% APR: payment $145.40/month, finance charge $617.20, total $2,617.20.

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: Beaufort Hilton Head Island Goose Creek Gaffney. Related: South Carolina Title Loan Laws · Truck Title Loans · RV Title Loans

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.