Rates

DISCLOSURE: All of our loans are between 12 months or more with no prepayment penalty. There is no late charge if paid late. We are licensed by the State of South Carolina Board of Financial Institutions. Our rates are 300% and there is a payment calculator on the this page. We are not a payday lender. This is a solicitation for a loan. This is not a guaranteed offer and is subject to a vehicle evaluation, income verification and time at your residence and the rough wholesale value of your vehicle. Our interest rate is 25% a month which equals to 300% annually. For a loan of $601.00 you will pay 12 payments at approximately 165.36 for a total note of 1984.32. You will roughly pay back 3 times the amount you borrow in 12 months at 300%. If you are a resident of South Carolina we will charge a $15 lein fee. This is a high interest loan, if you have the ability to borrow money at a lower interest you should, you are putting your automobile at risk.

Thank you for your interest in 1st Capital Title Loans we are a Supervised Lender licensed under South Carolina law. Loans made by 1st Capital are supervised loans authorized by the South Carolina Consumer Protection Code, § 37-3-501 et seq. and are not short-term vehicle secured loans as defined by South Carolina Consumer Protection Code, § 37-3-413.

The complete schedule of fees and charges for our secured installment loan product is set forth below. If we do not have a current lien on the pledged motor vehicle collateral, we will impose a title lien filing fee of $15 (amount set by South Carolina law). The title lien filing fee, which is 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

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.
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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