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 Car Title Loans 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 North or 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.