About

What is a title loan?

Title loans are a quick and easy way for people to get the cash they need by using their car title. Your truck’s value is used to secure the loan transaction, so you can get several thousand dollars quickly and good credit is not required. And, you get to keep driving you truck!

A title loan is easy to repay. 18 Wheeler Title Loans North Carolina accepts many types of payments and even offers convenient automatic options.

Why 18 Wheeler Title Loans?

18 Wheeler Title Loans is designed from the ground up to offer our customers an alternative to traditional title loan products. Applying online or by phone saves our customers precious hours in their day.

Besides the convenience, we also offer competitive rates. Not only will you have access to the funds you need, but you will pay less!

Details about our title loan products

First time customers typically qualify for a title loans between $500 to $3,000 with an APR of 240%. Duration for our title loans vary depending on state and can be less than 30 days and up to 24 months. We do not report payment history to credit bureaus but we may verify your application information resulting in inquiries on your credit report. You may incur late or NSF fees in case of late payment and in some cases your truck maybe repossessed. We try to offer all of our customers the most flexible repayment arrangements and our customers may choose to extend or refinance their title loan.

We are here to help!

Our online application only takes a few minutes, but you can also get in touch with our friendly customer service agents if you have any questions. Give us a call at 1-803-548-1727 and we will help finish your application over the phone.

We are committed to responsible lending.

Application Form

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Customers Review

1st Capital Auto Title Loans
4.4
Based on 41 reviews
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Den Martin
Den Martin
04:03 09 May 20
Everyone need money. But, whenever need of time in emergency situations. No one can help you.Thanks a lot 1st Capital title loans they helped me in a tough times and solve my issues. Really Thanks.
Britne M
Britne M
14:32 20 Apr 20
So we came on Thursday to see a car and waited almost an hour at the door nobody ever came. Came back friday around 12pm and it took another 20 mins for somebody to come to the door. It was 1215pm and Crystal said her break wasnt over until 130pm. I never heard of anybody having an hour and a half break. So Desmond came to the door and gave us the keys for us to test drive. We came back and said we wanted the car, he said okay but i have to go to the other store and will be back in 30 mins, so we said okay we will wait. It took him almost 2 hours to get back. Crystal got off break 45 mins before he got back and said to give her a second to get the paperwork together. Then 30 mins later she said she didnt have the authority to turn the car over and we had to wait for Desmond to get back. He pulled up 15 mins later and did the paperwork and it is now Monday 2 days later and we back because he signed the title where it says buyer. The lady working today is rude. We was here for almost 4 hours in the hot sun. They need better customer service agents. If it was not for my husband really wanting the car then I would not have given them our money. They are rude and obviously dont want to be here and they wouldnt negotiate the price even though there was multiple problems
alexis colette
alexis colette
19:37 27 Mar 20
Really thanks to complete team of 1st Capital Title Loans, they helped me in tough times and solve my money related issues. First time, I came to know title loans is the simplest process and get a loans immediate basis.
Amy Rogen
Amy Rogen
12:33 29 Feb 20
Don't know more information about auto title loans, but after contacting to 1st capital title loans. I came to know the details about title loans and solve my money related issues today. Thanks alot for providing me title loans.
joren mathew
joren mathew
23:34 03 Jan 20
Jenny have a great and experienced team, which helps me to pay my child education instant basis and sort my money related issues. Thanks to complete 1st capital team for help me in my financial trouble.
Machine Operator Demolition Seattle
Machine Operator Demolition Seattle
19:51 11 Dec 19
Avoid avoid avoid Tell the fat girl quit wasting people's time and go to the gym how you going to sell cars with dead batteries
annabelle patty
annabelle patty
11:41 09 Dec 19
One day, I woke up and need an urgent cash or money on your hands. Then, I contact to 1st capital for getting an cash. Really recommended to others and such a great team with systematic approach.
lesa melanie
lesa melanie
08:27 04 Dec 19
I had a very positive experience with 1st Capital Title Loans team. I came to here, after going to another title loans company, they are charging too much interest rates. After visiting the title loans, I found out the systematic approach to get an immediate basis cash or money on your hands.
Deborah Hargrove
Deborah Hargrove
16:15 29 May 18
Jenny is a stand up person. She is very patient. Excellent customer service. Very helpful and resourceful. She has an outstanding smile. She makes you feel so welcomed and very respectful. I can go on and on. But overall fast easy service... I'll recommend anybody to go there and give them a chance to assist you.
DEWEY WALL
DEWEY WALL
17:06 09 May 18
I got a car title loan on my truck and I got what I needed. I am glad I got my loan with Jenny at 1st Capital Finance company. They treated me with real respect and gave me the best customer service I have ever gotten anywhere.
Donna Negron
Donna Negron
16:52 04 Dec 17
I came in to 1st Capital Finance after going to Title max first who could Not help me and referred me to Auto Money who said I was to far. Arlene was amazing at 1st Capital Finance. I told her my situation she did everything in her power to assist me and she did! Thank you so much for your help Arlene and 1st Capital Finance!
Danielle Smalley
Danielle Smalley
23:34 12 Nov 17
I had a very positive experience , Thanks to Arlene Mulinax. She was very friendly and helpful. I would highly recommend her and 1st Capital to my family and friends.
Marion Gaither
Marion Gaither
00:09 12 Nov 17
I've enjoyed doing business with 1st Capital Finance since I've been with them. Arlene Mullinax and her staff have been very good with helping me on my financial needs. I would recommend them highly.
Linh Quach
Linh Quach
21:10 05 Oct 17
0 stars, is negative stars possible? Don't get scammed folks. Don't even consider this a last resort. Unless you are considering suicide bc that is the only way to get out of the debt once you walk in and you have been baited. Do not do it. Save yourself. This is never ever an option.
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