HOW DO CAR TITLE LOANS WORK IN SOUTH CAROLINA?
With a car title loan in South Carolina, you can pledge your car title as collateral for funding. A lien is placed on the title once the loan is complete, but you can still drive your car during the repayment process.
You can conveniently begin your application for a ChoiceCash title loan in South Carolina online by filling out the pre-approval form or calling 855-422-7402 to speak directly with a title loan representative!1

WHAT DO YOU NEED FOR A TITLE LOAN IN SOUTH CAROLINA?
The requirements for an auto title loan in South Carolina can be very straightforward. You must be an adult at least 18 years of age, have a title to a qualifying car in your name, and be able to demonstrate your ability to repay the loan. There may be other additional requirements during the inquiry process for a car title loan in South Carolina.
If the title isn’t currently in your name, or if it is lost / stolen, you will need to fix that. You can visit your local South Carolina Department of Motor Vehicles (SCDMV) if you need to request a duplicate title or complete a title transfer to your name. If you are still paying off your car, the title lender may ask you to complete and sign a form authorizing them to pay off your existing auto loan.
Questions about title loans? You can visit the FAQ page to learn more, or just call a ChoiceCash title loan agent directly at 855-422-7402!
CAN I GET AN AUTO TITLE LOAN IN SOUTH CAROLINA WITHOUT A JOB?
Yes, you can apply for a title loan without a job in South Carolina. However, if you do not have a conventional job, then you must be able to provide proof of an alternative source of income instead.
Below are some examples of alternative sources of income that can be accepted as proof of income during a title loan inquiry:1
- Social Security Benefits
- Workers’ Compensation
- Settlement Income
- Self-Employment
This is not an all-inclusive list, so if you have questions, feel free to contact a ChoiceCash title loan agent at 855-422-7402 to learn more.1
CAN I GET A TITLE LOAN IF I HAVE BAD CREDIT IN SOUTH CAROLINA?
You don’t need perfect credit to apply for a title loan in South Carolina, but your credit history is still considered during the application process. However, a title lender will primarily focus on your ability to repay the loan and the value of your car. Both of those factors are predominately used to determine your eligibility and loan amount.1
You can use ChoiceCash’s online car title loan calculator tool to learn more about the value of your car and get a loan quote, free of obligation!1

HOW MUCH CAN YOU GET WITH A TITLE LOAN IN SOUTH CAROLINA?
The amount you can get with a car title loan in South Carolina largely depends on the value of your car and your income. Title lenders will consider a few different factors when determining the overall value of your vehicle, like:
- The Year, Make, Model, and Style of Your Car
- Mileage
- Current Condition of the Car
Not sure how much your car is worth? Apply for ChoiceCash title loans in South Carolina online today to learn how much you could potentially qualify for!1
The application process is just three easy steps:
- Fill Out the Pre-approval Form Online or Call 855-422-7402 to Get Started
- Submit the Required Documents via Email or Text Message
- Find Out if You Qualify and Get Your Money!1
HOW CAN I PAY FOR MY CAR TITLE LOAN IN PERSON?
Pay for your car title loan at any MoneyGram location in South Carolina. MoneyGram is often located in convenient public stores such as Wal-Mart, Kroger, or CVS. Call 855-422-7402 to discuss your options with a loan expert, or see the map and location list below to see where your nearest MoneyGram is located:
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: