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.
Yes. Every lender must be licensed by the South Carolina Board of Financial Institutions.
Bad credit? You may still qualify.
No traditional job? Social Security, disability, or other verifiable income may count.
$1,841
Average Loan Amount
$616 to $5,495
Typical Loan Range
2009
Avg Vehicle Year
224
Loans Funded
Based on 224 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 |
|---|---|---|---|---|
| 2016 | Acura | TLX | 89,000 | $3,315 |
| 2019 | Dodge | Journey | 108,261 | $2,015 |
| 2018 | Jeep | Cherokee | 200,000 | $2,865 |
| 2018 | Nissan | Rogue | 73,000 | $9,700 |
| 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 |
| Vehicle Make | Avg. Vehicle Value | Avg. Loan Amount | Borrowers |
|---|---|---|---|
| Chevrolet | $5,391 | $1,814 | 34 |
| Toyota | $3,084 | $1,585 | 22 |
| Dodge | $3,226 | $1,816 | 22 |
| Nissan | $3,578 | $2,405 | 21 |
| Ford | $4,756 | $1,620 | 20 |
Top 5 vehicle makes financed in South Carolina based on 224 loans. Actual loan amounts vary based on your vehicle's condition, mileage, your ability to repay the loan, and South Carolina regulations.
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 224 funded loans.
📖 Governing law: S.C. Code Ann. §37-3-413 — Short-term Vehicle Secured Loans (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
State figures last verified against primary statute text on 19 August 2026; statutes cited are the 2025 edition.
Thinking about a title loan in South Carolina? See if it's the right choice for you before you apply.
Yes. Title loans often come with high costs. Rate cap in South Carolina: No state rate cap on loans over $600. Fees: None — only the lien recording fee, at the exact government charge (S.C. Code § 37-3-413(2)). Our APRs go up to 150% and never exceed the cap set by state law.
Yes. South Carolina law allows up to 6 renewals.
Yes. You may cancel and return the principal at no cost before close of business on the next business day.
Contact the South Carolina Board of Financial Institutions, which licenses title lenders in South Carolina. You can also use it to check that a lender is licensed before you sign.
No credit check is needed to pre-qualify. A soft credit check may be required as part of the final approval process. That does not affect your FICO score. Borrowers with bad credit are welcome to apply: we focus mainly on your ability to repay and your vehicle's value and equity, rather than your credit score alone.
Yes. Your car's value sets how much you can borrow, and condition and mileage both affect that value. We usually lend 25% to 50% of your car's value, sometimes more. There is no mileage limit, and salvage or rebuilt titles can qualify with a lower appraisal. A car that doesn't run may still qualify, usually for less.
Yes. The whole process can be done online, with no store visit required, and you keep driving your car while you repay. A GPS device is needed only in some cases, and you are told before you sign.
5 Star Loans, Inc., dba
5 Star Car Title Loans™
473 E. Carnegie Dr.,
Suite 200
San Bernardino, CA 92408
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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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