Title Loans in North Charleston, South Carolina

North Charleston is a hub for manufacturing, logistics and the Port of Charleston. Shift workers along Rivers Avenue and Dorchester Road often depend on trucks and cars to reach plants and warehouses at all hours.

If you live in or around North Charleston, 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 North Charleston residents use title loans

Common reasons our Charleston County customers borrow include school expenses, travel for a family emergency, home repairs after a storm, covering a gap between paychecks. Whatever the reason, we'll size your loan to your income so the payment fits your budget.

Example cost for a North Charleston borrower

Borrowing $3,500 over 18 months at 35.99% APR: 18 payments of $254.46, a finance charge of $1,080.28, total of payments $4,580.28. (Illustrative only; see rates & terms.)

Serving North Charleston and Charleston County

Platinum VIP loans are made entirely online, so North Charleston 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, Mount Pleasant. See our full service area.

More from the Platinum VIP team

If you already have a credit card provider, one of your options can be to use your available account balance to obtain a credit card cash advance. A credit card cash advance will allow you to use your card at an ATM and select the cash advance option.

If you bank at reputable banks such as Bank of America or Chase Bank, you may have the option to use your good standing there to obtain a loan. Many banks that offer services like checking accounts and savings accounts will also offer loan services to those who bank there.

Your bank may have other options you can take advantage of during difficult times. Many banks are offering financial help or alleviation, such as removing checking fees or deposit requirements per month for your savings accounts. Check with your bank representative by calling the branch location phone number in order to receive contactless services.

If you are a homeowner, you may have the option to tap into your home’s equity. A home equity line of credit, or a HELOC is a way for homeowners to slowly borrow funding from the equity in their home. Unlike a home equity loan, a HELOC can allow you to borrow in smaller increments.

TANF (Temporary Assistance for Needy Families)— TANF is a gov. program to help those who have defendants/children and are low income. TANF covers a broad range of necessitates. So much so, that there are a few help programs like SNAP benefits, under TANF. From food assistance to childcare and housing, temporary assistance for needy families can make the essentials possible for families who are financially struggling.

Low-Cost HealthCare —for those who are low income, Medicaid and CHIP can be a cheaper alternative to healthcare.

LIHEAP (Low-income Home and Energy Assistance Program)—LIHEAP can help families who are low-income and are struggling to pay their utility bills.

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.