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Title loans in South Carolina

Title loans for bad credit in South Carolina

Title loans are allowed in South Carolina from state-licensed lenders (Supervised lender license). Here are the limits South Carolina law sets, what a typical loan can cost, and where to get free help if you need it.

Last updated .

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Part of the South Carolina guide

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What South Carolina law allows

Title loans in South Carolina
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2] Allowed No numeric cap Not set by statute 30 days to 8 months Supervised lender license S.C. Code Ann. Section 37-3-413; Section 37-3-201
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Title loans

Rate cap
Regulated as 'short-term vehicle secured loans' under 37-3-413, layered on the general supervised-loan finance-charge rules (37-3-201). No separate title-loan-specific APR ceiling number was found in the section read; loans in this category are marketed and disclosed as 'higher interest' (required notice) and no interest may accrue after the sixth renewal.
License
Supervised lender license (S.C. Code Title 37, Chapter 3) covering short-term vehicle-secured loans.

Full detail for every loan type: South Carolina lending laws.

Money snapshot for South Carolina

South Carolina household data
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[3]$1,352FY2026
Population[4]5,478,8312024
Unemployment rate[5]4.1%2026-08

Other options in South Carolina

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Emergency loans in South Carolina: allowed under South Carolina law; see its limits and license rules.
  • Installment loans in South Carolina: allowed under South Carolina law; see its limits and license rules.
  • Payday loans in South Carolina: allowed under South Carolina law; see its limits and license rules.
  • Personal loans in South Carolina: allowed under South Carolina law; see its limits and license rules.
  • Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
  • Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
  • Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
  • Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in South Carolina.

See every loan type South Carolina law allows.

Title loans in nearby states

Sources

  1. scstatehouse.gov. S.C. Code Ann. Sections 37-3-201, 37-3-305, 37-3-501. Retrieved September 23, 2026.
  2. consumerfinance.sc.gov. South Carolina State Board of Financial Institutions, Consumer Finance Division. Retrieved September 23, 2026.
  3. National Low Income Housing Coalition. Out of Reach 2026: South Carolina. Retrieved September 23, 2026.
  4. U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

Important disclosures

APRs vary by lender and state in South Carolina. Each lender sets its own rates and terms and must show you the APR before you sign.

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  • Questions about a lender licensed in South Carolina? Contact the South Carolina State Board of Financial Institutions, Consumer Finance Division (supervised lender licensing); Department of Consumer Affairs (rate schedule filings) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.