Car Title Loans in South Carolina2026 Guide
Car title loans are legal in South Carolina under the Consumer Protection Code (S.C. Code § 37-3-101). Learn 30-day term rules, rate filing requirements, Notice of Right to Cure rules, and surplus equity return rules in 2026.
Legal Status & Regulations
Governing Law
S.C. Code § 37-3-101
Last Reviewed: April 2026
Law Summary
South Carolina permits title loans under the South Carolina Consumer Protection Code (S.C. Code § 37-3-101 et seq.), overseen by the Department of Consumer Affairs (DCA). Lenders must hold a state license and post maximum rate schedules. Loans must be at least 30 days in duration. State law requires lenders to provide a mandatory 20-day "Notice of Right to Cure" before repossessing a vehicle upon default, and return any proceeds exceeding the debt and legitimate repossession costs.
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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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
No limit
Max APR / Rate
No cap
Loan Term Range
Varies
Governing Body
SC Dept. of Consumer Affairs