How to Get Cash for Your Title Loan

Here at 1st Capital Finance, we want to make sure each and every customer understands exactly how title loans work. Unlike other lending institutions, you can come to our office and leave with cash in your pocket in about 15 minutes. Our process is easy, secure, and always confidential.

First, stop by our convenient location in Rock Hill, SC to apply to get cash for your title loan. You’ll need to to be at least 18 years old to apply. Bring a valid government-issued ID with you to serve as proof of your residence, as well as a copy of a clean automobile title. Please note that any vehicle title used must be in your name. (Make sure you drive the vehicle to our office for your consultation so we can take a look.) You’ll also need to provide proof of your income. This doesn’t mean you have to be employed. Income from retirement, disability, or unemployment may be counted.

Next, our friendly, professional staff will review your title loan application, as well as the documents you brought with you. Remember that when you come to 1st Capital Finance, there’s no credit check required. It doesn’t matter what your credit score is or what type of credit issues you’ve had in the past.

We’ll then offer you a loan based on the value of your vehicle. In exchange for the cash, we’ll place a lien on your vehicle with the Department of Motor Vehicles. However, you get to keep your automobile and continue driving it just like you normally would.

Once you have your cash, you have up to two years to pay it back. We don’t charge a penalty for prepayment. Pay back your loan at any time. We’ll only charge you interest for the time you owe a balance. Our rates are competitive and our terms are easy to understand. As soon as you’ve paid off your loan, we’ll remove the lien from your title. You’ll be good to go!


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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.