Title Loan Buyout in South Carolina

A title loan buyout means a new lender pays off your current title loan and becomes the lienholder, ideally on better terms. With Platinum VIP the goal is an APR no higher than 35.99%.

Title Loan Buyout with Platinum VIP pricing

Every Platinum VIP loan — whatever the buyout — 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

$800 over 6 months at 35.99% APR: payment $147.67/month, finance charge $86.02, total $886.02.

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: Summerville Lexington Mount Pleasant Lancaster. Related: Can You Junk a Car With a Title Loan? · South Carolina Title Loan Laws · Truck Title Loans

More from the Platinum VIP team

Despite the lien placed on your vehicle’s title, you can continue driving your car as you usually would throughout the life of the loan. Just make your monthly payments on time. The monthly payments are determined ahead of time. That way, you can work out a reasonable payment schedule with your lender before signing off on the terms.

After you have paid your final scheduled installment so that the loan balance is down to zero, the lender will remove the lien that they placed on your title. Then, they will return the document to you completely free and clear. From there, you can move on with your clean title back to normal!

Firstly, you will be asked to send in the following documents in whatever way is most convenient for you, either by scanning them to emailing them to the lender, or taking pictures to texting in with your mobile phone, etc.

Official Photo Identification: Your driver’s license, passport, military ID card, state-issued identification, permanent resident card, etc.

Proof of Address : A credit card statement, household utility bill, mortgage or lease agreement, a certificate of voter registration, etc.

Proof of Income: A few recent pay stubs, pension and/or social security statements, billing invoices for self-employed work, tax records, etc.

Pictures of Your Car: A couple of pictures of your car from various angles and in good lighting to confirm its overall condition.

See if you pre-qualify for your very own title loan by filling out our easy inquiry form today! Getting pre-qualified is absolutely free and requires no obligation on your end.

This is the only type of cash loan you could take out if you currently don’t have ID. This works only if you already have a credit card (you will need ID when applying for one), and you have available credit on your card.

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.