Title Loans in Sumter, South Carolina

Sumter is home to Shaw Air Force Base and a strong manufacturing base. Military families should note that federal law caps covered loans to active-duty members at 36% MAPR; see our military note below.

If you live in or around Sumter, 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 Sumter residents use title loans

Common reasons our Sumter 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 Sumter borrower

Borrowing $2,500 over 18 months at 35.99% APR: 18 payments of $181.75, a finance charge of $771.50, total of payments $3,271.50. (Illustrative only; see rates & terms.)

Serving Sumter and Sumter County

Platinum VIP loans are made entirely online, so Sumter 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.

Military borrowers

Active-duty service members and covered dependents are protected by the federal Military Lending Act, which limits the Military Annual Percentage Rate to 36%. Contact us to discuss eligibility.

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 Aiken, Greenwood. See our full service area.

More from the Platinum VIP team

Remember that on the other end of the phone is a not a mean collector but a person just like you. If you talk in a nice voice and you do not act aggressively or evasive, you will find a nice voice talking back to you.

If you don’t want to end up losing your car, the best way to avoid repossession is to keep the money flowing back to the lender…. even in small amounts. That shows you are trying. Even if it is partial payments, those small payments will help you in your conversations with the lender. They would rather repo a car from a person who is intentionally doing everything they can to avoid the repo by lying about their identity or making sure that they have no way to find the car.

1. First, if you have not defaulted on the loan that means you still have time. Try to catch up on your payments.

2. Stay honest. Keep your side of the road clean by not lying about your situation to the car title loan agent.

4. Propose a new loan with the company you have now but on better terms. It is cheaper than a repo for the car title loan lender.

5. If everything fails, consider working with the title loan company by making it easy to get the car. You bringing it to them will avoid the fees associated with repossession which you ultimately pay for.

Car title loans can be a lifeline if you have unexpected expenses and you can’t make ends meet. But what happens when your terms become unmanageable? Life happens, and if you already have an existing loan and want to shake things up, a title loans refinance or a title loan buyout may be an option to get new terms and conditions.

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.