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Are you experiencing financial hardship? Would you like to learn more about how title loans work in South Carolina? A title loan is a type of secured loan option that can be used to access emergency funding. Borrowing fast money against your car, SUV, or truck is possible through a title loan, but you will be required to use your vehicle’s title as collateral in order to secure the loan. Car title loans in South Carolina can be a resourceful way to access fast cash and deal with unexpected expenses!1

Because you are borrowing against the value of your vehicle through a South Carolina title loan, you may want to know what happens to your car after your loan is funded. Once the loan is complete, a title lender will place a lien on the car title and become the lienholder. The lender removes the lien after the loan is completely paid off, but the borrower can continue driving their vehicle throughout the repayment process.

During the application process, the overall value of your vehicle and your income are some of the most important factors used by title lenders to determine your eligibility. The loan amount you can be eligible for through a car title loan in South Carolina will also be highly influenced by these two factors. If you don’t know what your vehicle is currently worth, then you can use ChoiceCash’s online questionnaire form to get a vehicle value estimate and a loan quote, free of obligation!1

Since South Carolina title loans are secured by your vehicle, know that repossession is a potential consequence if you fail to make your monthly payments. However, it’s essential to mention that most title loan companies, lenders, or loan servicers would prefer to work with you to find an alternative solution to avoid that outcome if you are struggling with your payments. If you feel like you may miss an installment, it is essential to effectively communicate your financial hardship to your lender or loan servicer prior to defaulting on your loan.

If you’re facing a tough financial crisis, it’s understandable if you’re actively searching for instant online title loans in South Carolina. Although you will not be able to get instant online title loans or car title loans with instant approval in South Carolina, you can apply for a ChoiceCash title loan online and find out if you qualify for instant pre-approval now!1

Submit a short prequalification form online to begin your application today!1 If you have any title loan-related questions, like “What year does your car have to be to get a title loan?” you can dial 855-422-7402 to speak directly to a ChoiceCash title loan officer and get all of the answers you need.


Yes, residents are allowed to apply for online title loans in South Carolina. But, according to the title loan laws in South Carolina, you must be at least 18 years of age to submit an application. If you submit a loan request and are eligible for funding, you must pledge the title to a qualifying car, truck, or SUV as collateral for the loan. The vehicle that you intend to use as collateral for an auto title loan must have a sufficient amount of positive equity. Typically, a qualified applicant can borrow anywhere from 25% to 50% of the total value of their vehicle through a title loan.1

In addition to the aforementioned criteria, the last title loan requirement in South Carolina includes showing proof of your ability to repay the loan during your application. You do not need to submit evidence that you work a traditional job, but you must provide recent pay stubs, bank statements, or proof of an alternative source of income to obtain loan approval. Acceptable forms of alternative income include:1

  • Social Security / Supplemental Security Income
  • Workers’ Compensation
  • Settlement Income
  • Retirement or Pension Income Statements

You can easily call 855-422-7402 to learn more about applying for South Carolina title loans online. ChoiceCash title loan agents are standing by to walk you through your loan request and discuss every aspect of the application process. Whether you have questions about cosigners and car title loans or how to submit your documents, our team is ready to help!

title loans south carolina


Before you can learn more about the documents you need to obtain loan approval, understand that it is unlikely that you will be able to find a lender who offers car title loans with no credit check in South Carolina.

Typically, to determine your ability to repay a new debt obligation, a title lender will review your financial situation by conducting a credit check during your application. However, you should know that getting auto title loans with bad credit in South Carolina is possible! As long as you can provide the right documents and meet the initial criteria, qualifying for the quick cash you need can be an option through a bad credit loan.1

Whether you’re going to apply for a title loan in Charleston, Columbia, Mount Pleasant, or anywhere else in South Carolina, here are the documents you must submit to obtain loan approval:1

  1. Proof of Reliable Income: Most applicants will upload recent pay stubs or bank statements during the application process, but other paperwork can be accepted. Call 855-422-7402 to learn more about the types of documents you can use to repay a car title loan.1
  2. Valid, Government-Issued Photo Identification Card: Use your South Carolina driver’s license, passport, or another certified state identification card to prove your age and identity.
  3. A South Carolina Vehicle Title in Your Name: The vehicle title must be in your name in order for you to use your car as collateral for an auto title loan in South Carolina. If it’s not currently in your name, you may need to head down to your local South Carolina Department of Motor Vehicles (SCDMV) and request a title transfer! Keep in mind that you must be the rightful owner of the vehicle to request a vehicle title transfer to your name.
  4. Recent Images of Your Car or Truck: Auto title loans with no inspection in South Carolina are impossible to find since most (if not all) title lenders use a car inspection to determine the current value of an applicant’s vehicle and its overall condition. However, one of the many benefits of applying for ChoiceCash title loans in South Carolina is that a physical inspection is not required during your application! Instead, just upload various pictures of the inside and outside of your car online to complete a virtual inspection.
  5. Proof of South Carolina Address: Several documents can be used to verify your current address in South Carolina. Some examples include recent credit card statements, rental / lease agreements, utility bills, or mortgage statements.

You have the option to conveniently submit your documents online while applying for a ChoiceCash title loan serviced by LoanMart! Go ahead and use your smartphone or computer with internet access to upload the necessary paperwork online, or just send everything to a title loan officer through email or text message. You can expect a simple and fast application process if you meet the initial requirements and submit the right paperwork!1

The poverty rate in South Carolina is over 14%. Therefore, if you are in that demographic and need fast funding to get back on your feet, you can apply for the financial help you need through a car title loan! It can take just a few minutes to get through the initial application process and as little as one business day to obtain quick cash if you are eligible.1


Over 20.3% of the population has severely delinquent debt in South Carolina. If you are one of the many South Carolina residents struggling to manage their debt, you are not alone! Debt can make it difficult to manage your current financial situation. A title loan could be a helpful resource to consider if you need an influx of cash to handle unexpected expenses, unpaid bills, and more.1

As mentioned above, if you qualify for an online title loan in South Carolina, you can access up to 50% of the total value of your car! The loan amount a qualified applicant could obtain through a car title loan mainly depends on their vehicle’s overall value and income. Depending on these factors, an applicant can potentially access up to $15,000 through a South Carolina title loan.1

Remember, you can use ChoiceCash’s online form to learn more about the current value of your vehicle and the amount you could potentially qualify for through a title loan in South Carolina! Contact a title loan agent today at 855-422-7402 for more information about the total amount you could obtain through a ChoiceCash title loan with no store visit in South Carolina.1

online title loans South Carolina


If you’re struggling with a financial emergency, you may be searching for title loans with direct deposit in South Carolina. If you’re eligible for a ChoiceCash title loan serviced by LoanMart and have a bank account, you can choose direct deposit to receive your funds in as little as 24 hours!1

Take a look at the three basic steps you must complete to apply for online title loans with no phone calls in South Carolina:1

  1. Apply Online or Over the Phone with a ChoiceCash title loan agent at 855-422-7402
  2. Submit the Required Documents Online
  3. Collect Your Quick Funding if You Qualify!1

Don’t hesitate to apply for the money you need for an unexpected expense by applying for a ChoiceCash title loan serviced by LoanMart. Even if you have poor credit, you still have the chance to apply for a car title loan! Call 855-422-7402 if you want to learn more about qualifying for fast auto title loans in South Carolina.1

For the sake of convenience for South Carolina customers, below is a map and list of just a few locations in the area, with many more statewide locations found here.

Frequently Asked Questions

What Types of Cars Can Qualify for Title Loans in South Carolina?

Many different kinds of vehicles can qualify as collateral for a title loan! You can pledge the title to your car or truck as collateral for a ChoiceCash title loan in South Carolina.1

Can I Apply for Title Loans in South Carolina if the Title is Not in My Name?

No, the vehicle title must be in your name to apply for a title loan in South Carolina. If you need to obtain a duplicate title or transfer a car title to your name, contact the South Carolina Department of Motor Vehicles for more information.

Why Do Residents of South Carolina Take Out Title Loans?

A large number of title loan applicants in South Carolina need help paying rent, paying medical bills, and consolidating their debt.

What is the Maximum Amount I Can Qualify for with a Title Loan in South Carolina?

The maximum loan amount you may qualify for with a title loan in South Carolina will depend on your circumstances! Typically, you can borrow up to 50% of the value of your car. That means you could access anywhere from $2,000-$15,000 if you qualify!1

Is a Car Inspection Necessary to Qualify for a Car Title Loan in South Carolina?

There is no physical vehicle inspection necessary to qualify for a ChoiceCash title loan!1 Instead, you can conveniently submit a few pictures of your vehicle via email or text message, or upload them online.

Demographic and Financial Statistics for South Carolina

The below table provides some of the key income, loan, and financial statistics for South Carolina, which are intended to give you a better understanding of how your financial circumstances compare to other South Carolina residents. With this information in hand, we hope you gain a better idea of your financial options so you can decide if completing a title loan application is the right decision for you:

Average credit score (VantageScore®) 675
Average FICO® score 693
Average student loan debt $38,414
Average credit card debt $5,938
Average monthly car loan payment $497 (Lease) $543 (Loan)
Share of households that rent 29.7%
Average rent $918
Median gross rent $970
Median value of owner-occupied housing units $181,800
Median monthly owner costs - with a mortgage $1,329
Median monthly owner costs $390
Number of bank branches 1,134
Median household income $58,234
Per capita income $32,823

What Locations in South Carolina Can I Get a ChoiceCash Title Loan in?

ChoiceCash is proud to service residents all over South Carolina including metro areas . Call 855-422-7402 to discuss your options with a loan expert. If you are looking to pay back your title loan in person, check out the city list below to see where your MoneyGram locations near Title Loans South Carolina: