Yes. Title loans are legal in South Carolina, and lenders must follow S.C. Code Ann. §37-3-413 — Short-term Vehicle Secured Loans (Title 37, Chapter 3).
Title loan rules in South Carolina at a glance
| Title-loan law | S.C. Code Ann. §37-3-413 — Short-term Vehicle Secured Loans (Title 37, Chapter 3) |
|---|---|
| Rate cap | No cap on advances over $600 (lender-filed SCDCA rates, typically 100%-300% per year); advances of $600 or less are capped by S.C. Code § 34-29-140 |
| Fees the law allows | None — only the lien recording fee, at the exact government charge (S.C. Code § 37-3-413(2)) |
| Loan term | 30 days to 8 months |
| Loan-to-value limit | 100.00 |
| Rollovers and renewals | 6 rollovers |
| Repossession | Allowed after default |
| Owe the balance after the car is sold? | No, the lender cannot collect a remaining balance |
| Lender license | Required (SC Board of Financial Institutions, Consumer Finance Division & SC Department of Consumer Affairs (SCDCA)) |
| Statute | SC Code § 37-3-201 (2025); SC Code § 37-3-305 (2025); SC Code § 34-29-140 (2025); SC Code § 37-3-413 (2025); SC Code § 37-3-503 (2025); SC Code § 37-5-110 (2025); SC Code § 56-19-390 (2025) |
Source: SC Code § 37-3-201 (2025); SC Code § 37-3-305 (2025); SC Code § 34-29-140 (2025); SC Code § 37-3-413 (2025); SC Code § 37-3-503 (2025); SC Code § 37-5-110 (2025); SC Code § 56-19-390 (2025) (read the law). We last checked it against the statute on August 19, 2026. See title loan laws in every state.
What a title loan costs in South Carolina
Rate rule in South Carolina: No cap on advances over $600 (lender-filed SCDCA rates, typically 100%-300% per year); advances of $600 or less are capped by S.C. Code § 34-29-140. We don't show a worked example for South Carolina because the law doesn't fix one price. Compare the APR and the total you will repay in each lender's written disclosure before you sign.
South Carolina allows no separate fee on top of the interest, beyond what its title-loan law lists. The lender's written disclosure shows the full cost and APR.
What happens if you can't repay
If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold, the lender cannot come after you for any balance the sale did not cover.
If you think you will miss a payment, call the lender before the due date and ask what options it offers.
How to check a lender in South Carolina
Title lenders in South Carolina must be licensed (SC Board of Financial Institutions, Consumer Finance Division & SC Department of Consumer Affairs (SCDCA)). Search for the lender on the official license lookup before you sign. Complaints go to the South Carolina Board of Financial Institutions / Department of Consumer Affairs (SCDCA). Lenditup does not check lender licenses for you (see how we verify).
Looking for a loan in South Carolina?
A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.
Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within South Carolina law.
Title loan questions for South Carolina
01What is the most a title lender can charge in South Carolina?
02How long is a title loan in South Carolina?
03Can I roll over a title loan in South Carolina?
04What happens if I can't repay a title loan in South Carolina?
05How do I check that a title lender is licensed in South Carolina?
06Is Lenditup a title lender in South Carolina?
Title loan laws in other states
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for. Payday loans follow a different law: see payday loan rules in South Carolina.