Car Title Loans in South Carolina2026 Guide
South Carolina allows title loans with few restrictions.
Legal Status & Regulations
Governing Law
S.C. Code § 37-3-101
Last Reviewed: April 2026
Law Summary
South Carolina allows title loans under the Consumer Protection Code (S.C. Code § 37-3-101). While there is no specific interest rate cap for loans over $600, lenders must be licensed and file their rate schedules with the Department of Consumer Affairs. Loans must be at least 30 days in duration and include clear disclosures. South Carolina law also provides certain protections during the repossession process, including a requirement for lenders to provide a "Notice of Right to Cure" before repossessing a vehicle. Borrowers have a 20-day period to catch up on payments after receiving this notice. If repossession occurs, the lender must follow strict procedures for the sale and return any surplus funds to the borrower.
Real Rate Example in South Carolina
A $1,500 loan in South Carolina at a typical market rate of No cap APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
SC Dept. of Consumer Affairs