<< >>



You are one step closer to getting the cash you need.

VIP Platinum Loan Program as low as 35.99%


Get a Free Quote and see if your car qualifies for the “1st Capital Platinum Loan Program”

You must drive to our South Carolina office to complete your loan. We do not do them online or by mail.We are conveniently located on most of the states borders.

1st Capital Title Loan has a brand new “Platinum Title Loan Program” and we make it easy for you to get a car title loan. We have a team of Operators that are ready to walk you through the process, and make it as simple as possible for you to get the cash you need.

The process is pretty simple:

  • Fill out the Form on the top.
  • Speak to a Customer Service Rep.
  • Text Pictures of your Car.
  • Get the cash you need.

How do Car Title Loans Work?

1st Capital’s Platinum Loan Program offers Car title loans that use the equity in your car and your ability to repay to approve your loan. In order to qualify for a car title loan you need the following:

  • Vehicle in good working condition
  • Proof of income
  • Clear Title

One of our friendly Operators will explain the process in detail, and the documentation you need to provide. Once the Loan has been approved, you get the cash you need and you keep on driving your car. Once you finish paying off your loan, you get the title of your vehicle back. It’s that simple!

What are my Minimum and Maximum period of repayment?

Our loans range from 12 months to 24 months repayment period, depending on the specific loan.

What is the APR for 1st Capital “VIP Platinum Loan Program”?

The APR for the VIP Platinum Program is as low as 35.99% APR for all qualifying customers, meeting all the necessary criteria. If you do not qualify rates for this special promotion your rates will be higher and disclosed fully before you visit a branch.

What is the cost of my credit going to be?

The APR for our Platinum Program is as low as 35.99% for all qualifying customers but can be lower depending on your creditworthiness, collateral, and agreed-upon terms. Loan amounts start at $1000.00 with a term of 12 to 24 months. Most Platinum Loan Program loans will take up to a day to process.

For a typical Platinum Program loan of $7,500 with a Annual Percentage Rate as low as 35.99% APR and a 24-month term and $15 lien recording fee, the payment is $443.05 and the total scheduled interest is $3118.20. The interest on the loan may vary depending upon the timing of the payments made. There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. However, we do charge a $15 Lien fee that is forwarded to the Department of Motor Vehicles to record a lien on your title.

When you’re in need of cash, look no further than 1st Capital Car Title Loans! Call today and get the cash you need!

Subject to specific underwriting criteria and ability to repay. Most of our title loans do not have a credit check. The Vip Platinum loan that has a lower rate does have a credit check if you agree to it. In order to qualify, customers must have a 700 FICO score or greater. Principal amounts for Platinum Loans start at $1,000 or based on state minimum. Other restrictions apply. Not all applications will be approved. Loans that do not meet the VIP Platinum loan program will have rates as high as 360%.