Loan Rates

1st Capital Finance is here to provide you with the best car title loan services in North and South Carolina. We believe that providing upfront, honest information is the best way to build relationships with our customers. This includes our vehicle title loan rates.

If you’re looking to get a car title loan, you need to be aware that the interest rates are significantly higher than those at other lending institutions. We always make sure you understand your loan rate before we complete your paperwork. We also will give you a thorough review of all terms and conditions related to your loan.

Getting an automobile title loan doesn’t have to be a hassle. The team at 1st Capital Finance makes it as easy as possible. We’re here to help you by providing the best vehicle title loan services in the Rock Hill, SC area. Contact us to learn more.


All loans from 1st Capital Finance are between 12 and 24 months with no prepayment penalty. There is no late charge for late payments. We are licensed by the State of South Carolina’s State Board of Financial Institutions. Our rates are 300%. 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, years of residence at your current address, and the rough wholesale value of your vehicle. Our interest rate is 25% per month which equals 300% annually. For a loan of $650.00, you will pay 12 payments of approximately $178.37 for a total note of $2140.44. You will roughly pay back 3 times the amount you borrow in 12 months at 300%. If you are a resident of North or South Carolina, we will charge a $15 lien fee. This is a high interest loan. If you have the ability to borrow money at a lower interest rate, you should. You are putting your automobile at risk. You must come to one of our locations to be approved for a loan.


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Disclosure: This website is a solicitation for an auto title loan. This solicitation is not a unilateral contract or a guaranteed offer. All title loans and the amount of the title loans are subject to 1st Capital Car Title Loans approval that is contingent on several underwriting factors such as a completed loan application, your employment status, monthly income and a vehicle evaluation.

Our maximum loan is $3500. Actual amount of title loan is subject to vehicle appraisal by an 1st Capital Car Title Loans employee and a complete application is required to be submitted and approved in-person by the party requesting a title loan. Certain limitations apply. All title loans issued by 1st Capital Finance of South Carolina, Inc are subject to customer’s ability to repay the title loan. is not an online lender. Applications are not processed or approved online. All information you submit to this website will be forwarded to the 1st Capital Car Title Loans office closest to you for the purposes of contacting you about a title loan. Once your information is received and processed, you will be contacted by an 1st Capital representative. Submitting your application is an agreement to be contacted by a member of our staff.