Rates

DISCLOSURE: All our loans have a minimum term of 12 months with no prepayment penalties. There are no late charges for delayed payments. We are licensed by the State of South Carolina Board of Financial Institutions. Our interest rates are fixed at 300%, and a payment calculator is available on this page for your convenience. We emphasize that we are not a payday lender. This message serves as a solicitation for a loan. The offer is not guaranteed and is contingent upon a vehicle evaluation, income verification, duration of residence, and the approximate wholesale value of your vehicle. Our monthly interest rate is 25%, equivalent to an annual rate of 300%. For a $601.00 loan, you will make 12 payments of approximately $165.36, resulting in a total note amount of $1984.32. Over the 12-month term, you will repay roughly three times the borrowed amount at a 300% annual rate. South Carolina residents will incur a $15 lien fee. Please note that this is a high-interest loan, and if you have the opportunity to secure funds at a lower interest rate, we encourage you to explore those alternatives, as you are putting your automobile at risk.

Thank you for considering 18wheelertitleloansnorthcarolina.com. We operate as a Supervised Lender under South Carolina law. Loans provided by 18wheelertitleloansnorthcarolina.com fall under supervised loans authorized by the South Carolina Consumer Protection Code, § 37-3-501 et seq., and differ from short-term, vehicle-secured loans as defined by South Carolina Consumer Protection Code, § 37-3-413.

The comprehensive schedule of fees and charges for our secured installment loan product is outlined below. If we do not have a current lien on the pledged motor vehicle collateral, a title lien filing fee of $15 (as mandated by South Carolina law) will be imposed. The title lien filing fee, included in the amount financed/loan principal, will be paid directly to the Department of Motor Vehicles from the loan proceeds.

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Customers Review

Glenn Phillips
Glenn Phillips
11:27 15 Mar 22
Really thanks to complete team of 1st Capital title loans, that helped in a tough times and solve my money related queries. Recommended to others.
johanson shell
johanson shell
12:44 04 Mar 21
This is my second loan with 1stcapital. Excellent service and I recommend it to everybody.
boran johns
boran johns
15:17 25 Jan 21
Thanks to the complete team of 1st Capital title loans, that helps you to get an immediate basis cash or money on your hands. Really Thanks.
jewish james
jewish james
12:16 28 Dec 20
Thanks for sharing the complete team of 1st Capital Title Loans that helps me in a tough times to solve my money issues immediately.
nevan johns
nevan johns
11:58 23 Nov 20
Their overall lending process was really smooth and fast. It was a great experience with 1st Capital title loans team. Really recommended to others.
Mary Rouzer
Mary Rouzer
19:18 14 Nov 20
They were extremely friendly. Fast and very precise in all of the work. I would use them again.
K S
K S
04:18 11 Nov 20
This is because your 5 stars review are not real. What are the odds that they’re all saying either the Same things or very very very similar things. What are the odds that every single one of them states somewhere in between “first time knowing about title loan” OR “don’t know more about title loan” SMH for dishonesty!
Ryan Jan
Ryan Jan
17:40 22 Sep 20
First time, I came to know about Title Loans that helps you to get an immediate basis cash or money. Complete team of 1st Capital Title Loans are very helpful and solve my money issues immediately.
Effertz Tawnya
Effertz Tawnya
11:26 03 Sep 20
Don't know more about Title Loans. But. I can say that the complete team helps me to understand the services and solve my money issues immediately. Really recommended to others.
Wendy Donny
Wendy Donny
10:09 27 Aug 20
First time, I came to know about Title Loans and solve my money related issues. Thanks for helping me in a tough times.
debbie alberta
debbie alberta
09:43 10 Aug 20
First time, I came to know about title loans that helps you to solve my money issues.Complete team work very well and helps me in tough times. Thanks.
Main Baker
Main Baker
01:32 11 Jul 20
Good to know about the title loans. Complete team of 1st Capital title loans, helps me out to solve my money issues instant basis by providing title loans. Really Thanks.
shellie mathan
shellie mathan
15:54 24 Jun 20
Don't know more about Title Loans, but after contacting to title loans. I came to know complete procedure and thanks to complete team of 1st capital title loans to helping me tough times.
Baunie joseph
Baunie joseph
09:06 10 Jun 20
1st Capital Title Loans follows the complete systematic approach, that helps you to get an immediate basis cash or money whenever you need it. Thanks for helping me in a tough times.
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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About Us

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!

Contact Us

3420 US-21,
Fort Mill, SC 29715
Phone: 803-548-1727