Car title loans in Conway, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Conway, SC.
The median household in Conway earns $56,650 a year, 18% below the South Carolina median of $69,324. About 21% of residents live below the federal poverty line, and 34.6% of households rent their home. 9.6% of Conway households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
South Carolina law that applies in Conway
| Maximum loan | A short-term vehicle secured loan may not exceed the car's fair market retail value under common industry appraisal guides. |
|---|---|
| Rate 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. |
| 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. |
| Repossession rules | 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. |
Full rules with statute citations: Title Loans in South Carolina. Cities in South Carolina cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a title loan in Conway
Most Conway applicants can finish in one sitting if they have these ready:
- A car, truck or motorcycle you own outright or nearly paid off
- The vehicle title in your name (lien-free or close to it)
- A government-issued photo ID that matches the title
- Proof of income (some lenders ask; many accept benefits)
- Photos of the vehicle or a quick inspection
Popular loan amounts in Conway
What Conway borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
How to get a title loan in Conway
- Fill out the short form with your car's year, make and mileage.
- Matched lenders contact you to value the car (some use photos).
- Review the amount, monthly rate, APR and repossession terms before you sign.
- Keep driving while you repay; the lien is removed when you pay in full.
Estimate your cost
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.
Banks and credit unions in the area
Credit unions in Conway
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Carolina Trust | 2518 Main St, Conway 29526 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Horry County · Payday Loans in Conway · Personal Loans in Conway
Frequently asked questions
Can I get a title loan in Conway, SC?
Title loans are legal in South Carolina. You can start online; the lender will need to see the car and a lien-free (or nearly paid-off) title in your name.
How much can I get for my car title in Conway?
A short-term vehicle secured loan may not exceed the car's fair market retail value under common industry appraisal guides. Most lenders lend a percentage of the car's wholesale value.
What happens if I miss a title loan payment in Conway?
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.
What do I need for a title loan in Conway?
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.
Can I refinance my title loan in Conway?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and South Carolina rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
How do I get a title loan in Conway?
Gather your vehicle title in your name, a government-issued ID, proof of income and proof of address. Then complete our online form with your vehicle's year, make, model and mileage. A lender may ask for photos or a quick inspection to confirm the car's condition. If you're approved, you'll review the full terms before you sign. It takes about 3 minutes to get started.
How much can I get for a title loan in Conway?
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 without the title?
You generally need the title, because it's what secures the loan. If your title is lost, you can request a duplicate from the South Carolina motor vehicle agency, and some lenders can help with that step. If the title isn't in your name, it will need to be transferred first. Once you have it, Conway drivers can start a title loan request online in about 3 minutes.
Do I need to visit a store in Conway?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.