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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.
| 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 | 13 months | 300% | $1,750 | $2,750 |
Note on South Carolina Costs: For a cash advance over $600 South Carolina sets no maximum rate — lenders file their own rates with the SCDCA — and every example above is over $600. The 300% APR (~25% per month) shown is the top of the 100%-300% filed range, not a typical rate. A cash advance of $600 or less is different: it is capped by S.C. Code § 34-29-140 under § 37-3-201(2)(a), and could not lawfully be priced at 300%. The 13-month example shows what happens if you hit the state's maximum limit of 6 renewals: your interest freezes, and the law gives you 6 months to pay off the remaining balance interest-free.
📖 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
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.
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.
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. 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
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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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