Title Loans in Myrtle Beach, South Carolina

Myrtle Beach's seasonal tourism economy means income can swing between peak summer months and the quieter off-season. Hospitality and service workers along Kings Highway often need a bridge between busy seasons.

If you live in or around Myrtle Beach, 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 Myrtle Beach residents use title loans

Common reasons our Horry County customers borrow include covering a gap between paychecks, emergency car repairs, medical and dental bills, rent or mortgage shortfalls. Whatever the reason, we'll size your loan to your income so the payment fits your budget.

Example cost for a Myrtle Beach borrower

Borrowing $2,500 over 12 months at 35.99% APR: 12 payments of $251.14, a finance charge of $513.68, total of payments $3,013.68. (Illustrative only; see rates & terms.)

Serving Myrtle Beach and Horry County

Platinum VIP loans are made entirely online, so Myrtle Beach 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 Loris, Conway. See our full service area.

More from the Platinum VIP team

Don’t forget to speak with your title loan lender if you can’t afford to make your monthly loan payments. You can potentially find different options to fix your predicament and remain on track with your scheduled due dates to avoid any problems associated with missing your payments.

Other documents, like proof of car insurance, may also be requested during your loan inquiry! If you are trying to refinance your current title loan, you may be asked to provide additional documentation as well.

It’s important to gather everything in advance so you can make your application as smooth as possible. Many lenders have online portals that you can use to submit your documents and vehicle photos, which is convenient and quick.

Choose between picking up your money at the nearest participating money transfer location or having the money directly transferred to your account. Generally, direct deposit can be one of the quickest disbursement methods.

Funding for online title loans is based mostly on the equity of your vehicle, so the more your car is worth the more funding you may potentially be able to receive.

Interest rates for online title loans can vary from lender to lender, or even from state to state. Your direct lender will be able to give your specific information about your potential interest rates.

The documents that are usually required for an online title loan are: A government issued form of photo ID, such as a driver’s license, proof of residency, proof of income, a qualified vehicle title in the borrower’s name, and several photos of the vehicle. If your vehicle title is not currently lien-free, we still may be able to help you!

If you are eligible for a car title loan and sign your agreement, the next step is that your loan is funded. Once the loan is complete, your title lender will add a lien to your car’s title and become your lienholder. This means that the title lender will have a legal right to your vehicle while you are paying off your loan.

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.