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From the Midlands to the coast, drivers reach for title loans in South Carolina when an unexpected expense lands and a paycheck is still days away. Columbia leads the application volume we see in the state, and the whole process runs online and is built around what your vehicle is worth.
A car title loan here is secured by the equity in your car, not your credit history, so approval rests mainly on the vehicle. You keep driving throughout, and the title returns to you when the loan is paid off.
$1,835
Average Loan Amount
$616 to $5,454
Typical Loan Range
2009
Avg Vehicle Year
210
Loans Funded
Based on 210 loans in South Carolina from 2023 to 2026. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and South Carolina regulations.
Recent funded loans in South Carolina. Actual loan amounts vary based on vehicle condition, mileage, and South Carolina regulations.
| Year | Make | Model | Miles | Funded Amount |
|---|---|---|---|---|
| 2014 | Subaru | Forester | 200,000 | $2,015 |
| 2011 | Nissan | Frontier | 181,000 | $2,315 |
| 2014 | Ram | 1500 | 79,000 | $11,000 |
| 2007 | Toyota | 4Runner | 245,000 | $3,750 |
| 2019 | Toyota | Camry | 81,700 | $6,000 |
| 2017 | Freightliner | Cascadia-Series | 650,000 | $5,380 |
| 2014 | Toyota | Camry | 204,847 | $2,000 |
| 2015 | Mitsubishi | Outlander Sport | 180,000 | $2,000 |
| 2019 | Dodge | Charger RT Sedan | 200,000 | $2,015 |
| 2012 | Cadillac | Escalade | 101,000 | $2,600 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $5,391 | $1,814 | 34 |
| Toyota | $3,084 | $1,585 | 22 |
| Dodge | $3,008 | $1,853 | 20 |
| Nissan | $3,442 | $2,115 | 19 |
| Ford | $4,942 | $1,704 | 18 |
Top 5 vehicle makes financed in South Carolina based on 210 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and South Carolina regulations.
5 Star Car Title Loans serves borrowers across South Carolina, with a strong presence in Columbia.
Borrowers across South Carolina tap into their vehicle's equity for a range of real-world needs — from covering unexpected bills to bridging income gaps. Here are the most common reasons our customers request a title loan.
| # | Top Use |
|---|---|
| 1 | Electric and Water Utilities |
| 2 | Funeral and Burial Expenses |
| 3 | Groceries and Household Essentials |
| 4 | Income Gap Coverage (Between Jobs) |
| 5 | Rent or Mortgage Payments |
| 6 | Urgent Vehicle Repairs |
| 7 | Appliance Replacement (Fridge, Oven) |
| 8 | Business Operating Capital (Small/Solo) |
Based on common use cases reported by South Carolina borrowers across 210 funded loans.
South Carolina is home to 5,478,831 residents across 271 incorporated cities and towns.
Top metros include Charleston (734,681), Columbia (610,536), and Greenville (402,612).
On average, 6.5% of South Carolina residents across the state's cities and towns are currently unemployed.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
The median household income across South Carolina cities and towns is $60,581.
Source: U.S. Census Bureau & Bureau of Labor Statistics.
| Loan Amount | Term | APR | Interest/Fees | Total Due |
|---|---|---|---|---|
| $1,000 | 1 month | 300% | $250 | $1,250 |
| $2,000 | 1 month | 300% | $500 | $2,500 |
| $3,000 | 1 month | 300% | $750 | $3,750 |
| $1,000 | 14 months | 300% | $1,750 | $2,750 |
South Carolina does not cap title loan interest rates. The 25% monthly rate (~300% APR equivalent) shown above is a typical market rate, not a legal limit. The $1,000 max-renewals scenario assumes you renew 6 times paying interest-only, then pay off the $1,000 principal interest-free over 6 monthly installments of $166.67 — total cost: $1,750 in interest plus the $1,000 returned principal, over about 14 months. Always ask your lender for the exact APR before signing.
📖 Governing law: S.C. Code Ann. §37-3-413 — Short-term Vehicle Secured Loans (South Carolina Consumer Protection Code, Title 37, Chapter 3)
Sources: S.C. Code Ann. §37-3-413 — Short-term Vehicle Secured Loans; South Carolina Consumer Protection Code, Title 37, Chapter 3 (Loans); S.C. Code Ann. §37-5-110 — Notice of Consumer's Right to Cure (Default); UCC Article 9, S.C. Code Title 36 Chapter 9 — Repossession and Sale of Collateral; SCDCA Maximum Rate Schedules — Information for Creditors
To qualify for a car title loan in South Carolina, applicants generally need to meet these requirements:
To apply for a car title loan in South Carolina, you will need: - Your vehicle title in your name (paid off or near it) - A government-issued photo ID - Proof of income (pay stub, bank statement, or benefits letter) - Proof of South Carolina residency - Your Social Security number for license verification - The vehicle for inspection or photos South Carolina lenders must hold a supervised lender license from the SC Board of Financial Institutions, Consumer Finance Division. Verify the lender via the Consumer Finance Division licensee lookup or NMLS Consumer Access before borrowing.
South Carolina has no statutory rate cap on title loans. Every lender must file its maximum rate with the SC Department of Consumer Affairs (SCDCA) and disclose it before signing. Per the SCDCA 2025 State of Credit Report, the most common filed rate in 2023 for loans of $600 or less was about 273% APR. Always ask your lender for its filed APR or look it up in the SCDCA registered creditors search before signing.
South Carolina caps the loan principal at the fair market retail value of your vehicle as listed in common industry appraisal guides. There is no statutory dollar minimum or maximum. Most loans land between a few hundred dollars and a few thousand depending on the vehicle year, mileage, condition, and your ability to repay.
If you miss a payment, the lender must send a Notice of Right to Cure under S.C. Code Ann. § 37-5-110, giving you 20 days to make up the payment before they can repossess. Repossession cannot breach the peace. After repossession, the lender must give reasonable written notice before selling the vehicle, and you may redeem it before sale by paying the full balance plus reasonable repossession costs.
A South Carolina title loan is a short-term loan secured by your vehicle equity under S.C. Code Ann. § 37-3-413 (Short-term Vehicle Secured Loans). You apply, the lender appraises the car and verifies the title, then funds are released and a lien is recorded on the title. You keep driving the car the whole time. The initial term is 30 days and may be renewed up to 6 times (240 days total). After the 6th renewal, the lender cannot charge additional interest, and the remaining principal is paid off in 6 equal monthly installments — interest-free.
Yes. Throughout the loan term, you keep and drive your car like normal. The lender holds the title as security and records a lien with the SC DMV, but only the lien is filed — you keep possession of the vehicle.
If you default and the vehicle is repossessed and sold, South Carolina law protects you from a deficiency judgment — the vehicle is the lender's only remedy, even if the sale price is less than what you owe. You also keep any surplus if the sale brings more than the loan balance plus reasonable repossession costs. The one exception is borrower fraud.
Yes. South Carolina gives you a 14-day right of rescission. You may cancel the loan and return the principal at no cost any time before close of business on the next business day after signing. No fees, no interest.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
NMLS ID 1442517
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1Applications submitted through this website are processed by 5 Star Loans™, Inc., dba 5 Star Car Title Loans™
2Applicants must be at least 18 years of age (19 in Alabama). Loans are not available in all states.
3Use of this website is free. We may share personal information with third-party service providers as necessary to process your loan request, in accordance with our Privacy Policy.
4USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
5Loan proceeds are intended primarily for personal, household, or family purposes. The minimum loan amounts differ according to various states. Consumers must prove their ability to repay the loan.
6Approving loans depends on meeting credit criteria and may include offering certain assets as collateral. The actual loan amounts, terms, and Annual Percentage Rate (APR) of a loan that the consumer qualifies for could vary according to the consumer.
7Title Loans can be expensive and are intended for short-term financial needs only. Consumers may have access to lower-cost alternatives. Paying the loan early may help reduce additional finance charges.
8Completing the application may take about five (5) minutes. Conditional approval may be issued pending document review. Final funding begins upon full approval and receipt of all required documents signed before 2 PM local time on a business day.
9Title Loan Notice: This loan is secured by your vehicle. If required payments are not made, your vehicle may be repossessed, and you could lose your car. Late or missed payments may be reported to consumer reporting agencies and could negatively affect your credit.
10For anyone experiencing difficulty with this website using a screen reader, please feel free to call (510) 992-4050 for assistance.
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