Car title loans in South Carolina
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
South Carolina title loan rules at a glance
| Governing law | Short-term vehicle secured loans (non-purchase-money consumer loans under 120 days secured by a car) are regulated by § 37-3-413. Longer car-secured loans by supervised lenders follow the general supervised-loan rules. (S.C. Code §§ 37-3-413, 37-3-201, 37-3-502) |
|---|---|
| Maximum loan | A short-term vehicle secured loan may not exceed the car's fair market retail value under common industry appraisal guides. (S.C. Code § 37-3-413(4)) |
| Rate / fee cap | No fixed cap for supervised loans with a cash advance over $600: the lender may charge any rate it files and posts with the Department of Consumer Affairs. For $600 or less, charges are limited to the Consumer Finance Act schedule. (S.C. Code §§ 37-3-201(2), 37-3-305) |
| Maximum term | Short-term vehicle secured loans: first period of at least one month, up to six renewals of equal length, not exceeding 240 days in total. No interest accrues after the sixth renewal, and you may then repay the remaining principal in six equal monthly installments with no more interest. (S.C. Code § 37-3-413(2)) |
| Renewals | Up to six renewals. Interest may not be added to principal at renewal, and no fees are allowed except the exact government lien-recording fee. The lender must form a good-faith belief you can repay, and you may cancel by the close of the next business day at no cost. (S.C. Code § 37-3-413(2), (3), (6)(b)) |
| Repossession notice / right to cure | On a short-term vehicle secured loan, unless you committed fraud, the lender's only remedy on default is to repossess and sell the car. It may not sue you for the loan or for any shortfall after the sale. (S.C. Code § 37-3-413(5)) |
| Surplus after sale | Yes. The lender must return any sale proceeds above what you owe plus reasonable repossession and sale costs. (S.C. Code § 37-3-413(5)) |
Title loans online in South Carolina
You can start a South Carolina title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Georgia | Legal | — |
| North Carolina | Not available | — |
Title Loans by city in South Carolina
Counties in South Carolina
Show all 46 counties
Also see: Payday Loans in South Carolina · Personal Loans in South Carolina · All South Carolina loan options
Frequently asked questions
Are title loans legal in South Carolina?
Title loans are legal in South Carolina. Supervised lenders may charge any rate they file and post on loans over $600, and short-term vehicle-secured loans (under 120 days) have their own rules on renewals, ability to repay and repossession.
How much can you get for a title loan in South Carolina?
A short-term vehicle secured loan may not exceed the car's fair market retail value under common industry appraisal guides.
What interest can title lenders charge in South Carolina?
No fixed cap for supervised loans with a cash advance over $600: the lender may charge any rate it files and posts with the Department of Consumer Affairs. For $600 or less, charges are limited to the Consumer Finance Act schedule.
When can a title lender repossess my car in South Carolina?
On a short-term vehicle secured loan, unless you committed fraud, the lender's only remedy on default is to repossess and sell the car. It may not sue you for the loan or for any shortfall after the sale.
Do I get money back if my car is sold in South Carolina?
Yes. The lender must return any sale proceeds above what you owe plus reasonable repossession and sale costs.
How much can I get for a title loan in South Carolina?
The amount depends mainly on your vehicle's value, along with your income and South Carolina rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I get a title loan online in South Carolina?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your South Carolina title loan request in about 3 minutes.
Can I get a title loan on a financed car in South Carolina?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving South Carolina will tell you what they can offer.
What do I need for a title loan in South Carolina?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in South Carolina, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.