Our Responsible Lending Commitment

A title loan puts your vehicle on the line. We take that seriously.

• Rate cap: 35.99% APR maximum on every Platinum VIP loan.
• Ability to repay: we review income and expenses and size loans accordingly.
• Fully amortizing payments: every payment reduces principal; no endless interest-only rollovers.
• Plain-language disclosures before you sign.
• Hardship help: contact us early; repossession is a last resort.
• Military Lending Act compliance for covered borrowers.

Alternatives to consider

Before borrowing, consider a credit union small-dollar loan, a payment plan with the creditor, an employer advance, or help from local assistance programs. Free credit counseling is available through nonprofit agencies. If a title loan is still the best fit, we are happy to help.

Complaints

Contact us first in writing at our address above. You may also contact the South Carolina State Board of Financial Institutions, Consumer Finance Division, or the SC Department of Consumer Affairs.

More from the Platinum VIP team

If you are looking for a car title loan after retrieving your missing title, we’d be happy to help you again with our process that aids us in finding the right lender that might be right for you.

Generally, the higher your credit score, the better your credit rating. A better credit rating indicates more creditworthiness. That means you are more likely to receive loan approval and favorable loan terms.

Home Equity Loans: These are secured loans that allow you to borrow against the available equity in your home by using the asset as collateral. Home equity loans typically have higher borrowing limits, making them suitable for larger renovations and projects.

Home Equity Lines of Credit (HELOCs): Similar to home equity loans, a HELOC will essentially operate like a credit card. As a borrower, you will have a credit limit that you can borrow against, repay, and borrow again, making them ideal for ongoing projects that have undetermined costs. However, HELOCs are only a viable option if you have accumulated enough equity in your home to borrow against. Equity is the difference between a home’s fair market value and how much an individual currently owes on a mortgage. For homeowners lacking equity in their house, or who would rather not borrow against the property, HELOCs may not be the way to go.

Cash-Out Refinance: This involves refinancing your mortgage for more than what you owe and receiving the difference in cash.

Rates tend to vary depending on the type of loan, your credit history, and the market rate, in some cases. Secured loans frequently provide lower rates due to the use of collateral. They may be a viable option if you do not have a strong credit score. In the case of installment loans, longer loan periods result in lower monthly payments but can increase the amount of interest you pay over the life of the loan. Make sure to shop around and determine how the terms of your loan or line of credit line up with your financial plans.

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.