South Carolina Title Loan Frequently Asked Questions

An auto title loan allows you to borrow cash against the equity of your vehicle. You provide a lien-free title in your name as collateral while retaining full possession and daily use of your car, truck, or commercial vehicle. Once your balance is paid in full, our lien is released.

Yes, you keep your keys and drive your vehicle without interruption throughout the entire life of your loan. We hold only the vehicle title certificate as collateral.

We accept personal cars, pickup trucks, motorcycles, commercial semi trucks, RVs, motorhomes, campers, travel trailers, enclosed cargo trailers, and personal watercraft or boats.

No, we do not perform credit checks. Approval is based on the appraised equity of your vehicle and proof of clear title ownership in your name, making past credit challenges or bankruptcies non-factors.

You must bring your vehicle for a brief physical inspection, your clear and lien-free vehicle title in your name, a valid government-issued photo ID, and proof of income or residency as requested by our loan specialists.

To qualify for a vehicle equity loan, your title must generally be free and clear of outstanding liens. If you are close to paying off your vehicle, contact our branch team to evaluate your current equity standing.

As a licensed Supervised Lender under South Carolina law, our interest rates are 25% per month (300% annually) for personal cars, trucks, motorcycles, cargo trailers, and boats, and 20% per month (240% annually) for commercial semi trucks, RVs, motorhomes, campers, and travel trailers.

South Carolina law requires a statutory $15 DMV title lien filing fee if we do not already hold an active lien on the vehicle. This fee is included in the loan principal and paid directly to the Department of Motor Vehicles.

Our in-person assessment and paperwork process can be completed in minimum hours on the same day. Once approved, cash is disbursed directly at your local branch during your visit.

We operate four physical offices in South Carolina: Loris (3120 US-701 Hwy), Fort Mill (3420 US-21), Clover (208 Gateway Farm Rd), and Anderson (1705 N Main St, serving drivers across the Upstate to the Georgia line).

No, you do not need to fill out an online form. You can call your nearest branch directly or walk straight into any of our four South Carolina offices with your vehicle and clear title to get started.