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South Carolina Title Loans Capped at 35.99% APR

We work to make the process hassle free, so you can get back to your day.

Loan terms disclosure
  • Repayment period: minimum 6 months (180+ days), maximum 24 months. No loan requires repayment in full in 60 days or less.
  • Maximum APR: 35.99% (Annual Percentage Rate, including interest and all finance charges). Minimum APR: 35.99% (all loans are made at a fixed 35.99% APR)
  • Fees: one $15.00 South Carolina lien recording fee, financed in the loan and included in the finance charge and APR. No other fees.
  • Representative example: you receive $2,500.00; the $15 lien fee is added, for a loan principal of $2,515.00 at a 35.32% note rate, repaid in 24 monthly payments of $147.60. Total finance charge $1,042.40 (interest $1,027.40 + $15 lien fee); total of payments $3,542.40; APR 35.99%.
  • Lender: 1st Capital Finance of South Carolina Inc, 3420 Hwy 21 Ste B, Fort Mill, SC 29715. SC Supervised Lender License No. SL-1966027, issued by the SC State Board of Financial Institutions, Consumer Finance Division. We are the direct lender, not a referral or lead service; we make all credit decisions. Loans only to South Carolina residents, online only.
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Capped at 35.99% APR

The Platinum VIP program puts a hard ceiling on your rate. No triple-digit APR, no surprise rate jumps — the APR on your agreement will never exceed 35.99%.

Quick, Confidential & Easy

Always quick, confidential and easy! Upload photos of your vehicle, your clear title and your ID, and we handle the rest online with complete discretion.

Keep Driving

Your vehicle stays with you. You keep driving to work, school and family while you repay on a fixed monthly schedule.

Need some extra cash now?

Need some extra cash? Platinum VIP Title Loans from 1st Capital Finance can help you explore your options. Life in South Carolina doesn't wait — a blown transmission in Rock Hill, a medical bill in Columbia, a late paycheck in Myrtle Beach. Our Platinum VIP Title Loan lets you use the equity in the car, truck or motorcycle you already own to borrow, at a rate built to be affordable rather than a trap.

We work to make the process hassle free, so you can get back to your day. Our team reviews your vehicle, verifies your title and income, explains every number in plain English, and puts the funds in your hands. There's no long credit application and no pressure. If the loan isn't right for you, we'll tell you.

Why an APR under 36% matters

Many title lenders charge APRs well above 100%. At 35.99% APR, a $1,000 loan repaid over 12 months costs about $100.45 a month, with a total finance charge of about $205.40. See full rates & terms and our payment examples.

Serving communities across South Carolina

We help borrowers in Fort Mill, Rock Hill, Columbia, Charleston, Greenville, Myrtle Beach, Loris and more. We lend online to South Carolina residents statewide. See our service area.

Three simple steps

  1. Apply online.
  2. Upload vehicle photos, your clear SC title, ID and proof of income.
  3. Sign online, receive your funds and keep driving.

Learn more on how it works and what you need.

More from the Platinum VIP team

Receive your money by cash, check, or deposit and enjoy your low payments, competitive interest rate title loan.

You can work with your direct lender to come up with a payment plan that works for you and your financial situation.

You get to keep driving your car with the cash you need and receive your title back once your final payment has been made.

Only 1 car may be used per person, per title loan at a time. However, if you are married and you and your spouse own both vehicles, each one of you may apply for a title loan on two separate vehicles.

While you keep up with your monthly payments, the car stays in your possession for you to drive like normal during the life of your title loan. After your loan is paid off, the title loan lender can remove their name from the title.

When determining the equity, or value, of a vehicle, title loan lenders typically look at the year, make, model, and mileage. That’s why we ask those questions first.

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Ready to get started?

Need some extra cash? Platinum VIP Title Loans from 1st Capital Finance can help you explore your options. Apply online. Maximum APR 35.99%; repayment terms 6–24 months.

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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.

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