Refinance Your Title Loan at 35.99% APR in South Carolina

If you are paying a high-rate title loan elsewhere, refinancing into Platinum VIP may lower your APR to 35.99% or less and put you on a fixed payoff schedule. We pay off your current lender directly and become the new lienholder.

Refinance Your Title Loan at 35.99% APR with Platinum VIP pricing

Every Platinum VIP loan — whatever the existing title loan — 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: Greenwood Orangeburg Summerville Lexington. Related: Title Loan vs. Unsecured Personal Loan · How Long Does the Title Loan Process Take? · How Lenders Review Title Loan Applications

More from the Platinum VIP team

Selling Your Unwanted Stuff. You might want to start here first, since it’s probably the easiest and fastest way to make money. Ebay, Amazon, Craigslist–all three of these online giants let you sell items that are lying around collecting dust, or that you just don’t want anymore. Why not profit from it?

Websites like Survey Junki e, Swagbuck s, and Vindale Research will pay you for taking online surveys where you meet certain criteria. Do this more or less in your spare time for extra cash, because you won’t get rich by doing them.

Honey, Rakuten, and Ibotta are apps offering a little bit of cash back for purchases you make, and you’ll get a portion of your money back. You can also score hidden sales, as well as get cash back at low prices.

Airbnb and VRBO let you utilize extra space you might have and rent it out to make some fast, relatively easy money. Just make sure you set rules and guidelines for guests and provide detailed (and honest) descriptions of your space with clear, high-quality photos.

Why not take the same principle of using collateral in something you already own and consider a title loan instead?

If you’ve hit a roadblock where you can’t get a loan and need money now, it’s hard to know where to turn. Going to a traditional bank or credit union sounds like a viable option, right?

The problem is that such institutions will heavily consider your credit history during the eligibility process. If your credit isn’t perfect, it’s a dead end. Title loans, however, are secured loans backed by the collateral in your car–so credit isn’t always a deal-breaker.

Quick and Easy Inquiry Process: We’ve made online title loans easy and convenient, giving you a straightforward form you can fill out in just a few minutes online.

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.