Title Loans in Mount Pleasant, South Carolina

Mount Pleasant, across the Ravenel Bridge from Charleston, has a high cost of living; even well-employed households sometimes need extra funds for unexpected bills.

If you live in or around Mount Pleasant, the Platinum VIP Title Loan gives you a way to borrow against your vehicle's equity at an APR that never exceeds 35.99%. Always quick, confidential and easy!

How Mount Pleasant residents use title loans

Common reasons our Charleston County customers borrow include rent or mortgage shortfalls, utility bills, school expenses, travel for a family emergency. Whatever the reason, we'll size your loan to your income so the payment fits your budget.

Example cost for a Mount Pleasant borrower

Borrowing $3,000 over 18 months at 35.99% APR: 18 payments of $218.11, a finance charge of $925.98, total of payments $3,925.98. (Illustrative only; see rates & terms.)

Serving Mount Pleasant and Charleston County

Platinum VIP loans are made entirely online, so Mount Pleasant residents can apply, upload documents and sign from home. Your lender is 1st Capital Finance of South Carolina Inc, 3420 Hwy 21 Ste B, Fort Mill, SC 29715, licensed in South Carolina (No. SL-1966027). Loans are available only to South Carolina residents. We work to make the process hassle free, so you can get back to your day.

What to bring

Vehicle photos, clear SC title in your name, photo ID, proof of income and proof of residence. Full list: requirements.

Nearby areas

We also serve Charleston, North Charleston. See our full service area.

More from the Platinum VIP team

You can borrow against the value of a Honda Civic, Ford Focus, or another eligible vehicle! But keep in mind that your car’s make, model, and style will impact its overall value.

If a car suffers from extensive wear and tear or damage from a previous accident, a lender may use a vehicle inspection to investigate the interior or exterior condition of the car.

Things like a new spoiler or any updates to the car’s interior or exterior design may increase the value of the car, which is what lenders may also look for during a vehicle inspection.

Checking the odometer, a lender may use the vehicle inspection to see how many miles the car has gone through. Typically, the more miles that the vehicle has clocked in, the less value it has, which means less funding on the loan.

This is where your smartphone comes in! Many lenders now offer virtual vehicle inspections instead of physical ones. On top of providing your paperwork, all that’s required during your application are high-quality photos of the vehicle’s interior and exterior.

The Vehicle Identification Number (VIN) is typically located on the driver’s side door or the windshield. The photos don’t need to be fancy, just recent and clear!

A borrower’s vehicle title is used to secure the loan. Therefore, a vehicle is an integral part of the application process. Throughout the loan inquiry process, title lenders will usually determine if a person is a good candidate for a title loan based on past financial behavior, current assets (vehicle value), and their ability to pay back the loan. Establishing the value of your asset is required during the title loan inquiry process in order to determine what your potential loan amount will be. Additionally, your eligibility is based on the value of your vehicle. Therefore, a title lender will need to see your car to evaluate its value and determine its current condition. The overall condition of your car will affect its resale value, so a lender will need to see proof of your vehicle! That is why you can’t get a title loan without seeing the car.

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.