How to Get Your Car Title After Paying Off Loan in South Carolina


Key Takeaways

  • When a vehicle is paid off in full, the Electronic Lien and Title (ELT) lender – most likely your auto lender – will send a notification electronically to the South Carolina DMV.
  • Then, the SCDMV will mark the lien on your vehicle as satisfied.
  • Next, a new title will be printed and mailed to the new owner, or wherever is identified as the “mail to” address in the message sent to the DMV.

       

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      man getting letter in the mail

      Several Ways to Get a SC Car Title

       

      Aspect*

      Paying off Car Loan

      Replacing Lost Title

      No SC License

      New SC Resident

      Procedure

      ELT lender sends electronic message to SCDMV

       

      – SCDMV marks lien as satisfied

       

      – New title printed and mailed to lienholder/

      owner

       

      – Title mailed to dealership, bank, or third party

      – Submit Title Application (Form 400)

       

      – Provide valid photo ID

       

      – Pay replacement fee of $15

       

      – Provide vehicle information (VIN, make, model)

      – Complete Statement of Vehicle Operation (Form TI-006)

       

      – Provide proof of active duty military, enrollment in SC school, or vehicle kept in SC for 6 months a year

      – Complete Application for Certificate of Title (Form 400)

       

      – Submit out-of-state title and registration certificates

       

      – Provide proof of identification and paid vehicle property tax

       

      – Provide proof of valid SC vehicle insurance and pay transfer fee and infrastructure maintenance fee

      Required Documents

      – The lender will handle paperwork to complete this task on your behalf.

      – Title Application (Form 400)

       

      – Valid photo ID

       

      – Payment for replacement fee ($15)

       

      – Valid photo ID

       

      Form TI-006

       

      – Proof of military status, enrollment, or vehicle residency

      – Completed Form 400, out-of-state title, proof of identification, proof of paid vehicle property tax, proof of SC insurance, payment for fees

      Additional Information

       

      – Lost title must be reported immediately

       

      – Replacement process can be done in person or by mail

      – Must fulfill one of the conditions mentioned in Form TI-006

       

      – Applies to each vehicle registered in SC

      – Title transfer must be completed within 45 days of moving to SC

       

      – Vehicle registration is also required at the same time

       

      – Documents and payment can be submitted in person or by mail

       

      – Direct inquiries to local DMV for updates

       

      *Information above is accurate at time of publishing, please speak with your local SCDMV directly for the most accurate and updated information.

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      FREQUENTLY ASKED QUESTIONS

      How much does it cost for a title transfer in South Carolina?

      In South Carolina, there are different fees* associated with vehicle title transfers.

      The titling, sales tax, and vehicle title transfer fees in South Carolina are:

      • Original vehicle title: $15
      • Vehicle title transfer: $15
      • Infrastructure maintenance fee: 5% of the purchase price ($500 maximum)

      *Information above is accurate at time of publishing, please speak with your local SCDMV directly for the most accurate and updated information.

      How to find out if there is a lien on a vehicle in South Carolina?

      According to the South Carolina Department of Administration, the lien inquiry application gives you access to vehicle lien information collected by the South Carolina Department of Motor Vehicles (DMV).

      In addition to the annual subscription fee, authorized users are required to pay $7.25 for each inquiry performed.

      How do I remove a lien in SC?

      If you need to remove a lien from a title, simply complete the lien release form on the front of the title document or release the lien electronically for electronic titles.

      You can also submit a letter on company letterhead as the lienholder.

      How long does it take to get a title in South Carolina?

      After submitting your application for your new title, you can expect it to take up to two weeks to arrive by mail. If you need it sooner, you can pay extra for same day expedited service.

      How do I get a title for a car without a title in SC?

      If you’re registering your vehicle from out of state, the South Carolina DMV may register your out-of-state vehicle without a title, depending on your vehicle’s model year and the year other state’s began titling vehicles.

      In order for them to do so, you will need your vehicle’s Bill of Sale.

      If the seller lost the title for your vehicle, they may apply for a duplicate SC vehicle title (Form 400), then sign it over to you. The individual listed on the vehicle’s title is who is responsible for requesting a duplicate.

      Can I get a title with just a bill of sale in SC?

      A signed Bill of Sale/Buyer’s Order is required for all title transactions showing the total sale prices of the vehicle, minus any trade-in value.

      In addition to the Bill of Sale, you will also need to fill out the title application (Form 400), pay the title fee, and have the title signed over to you to properly title your vehicle.

      If the title was lost or stolen, you can request a duplicate SC vehicle title by completing the title application and paying the title fee, then picking it up at your local DMV office or have it mailed to the appropriate address.

      How much does it cost to get a title in SC?

      The cost to get a title in South Carolina is $15. Other fees may include:

      Fees

      Registration Fees

      Cost

      People who are 65 or older or who have a disability*

      $36

      Permanent Trailer Plate

      $87

      RVs

      $40

      Title

      $15

       

       

      The information above is in best faith accurate as of January 2024, please check with the SCDMV directly for any changes.

      Is it illegal to sell a car without a title in South Carolina?

      In South Carolina, it is illegal to sell a vehicle without a title. You must have a valid certificate of title in order to sell your vehicle.

      Is South Carolina a lien state?

      Yes, the South Carolina Department of Revenue has the ability to issue a state tax lien if you neglect or fail to pay a tax debt. If you have an active lien on your vehicle, you must satisfy it before selling it to another owner.

      What do I need to bring to replace a vehicle title in South Carolina?

      Before starting the application process for your replacement title, be sure you have these items in hand:

      • A Title Application (Form 400).
      • A form of valid photo ID (such as your driver’s license).
      • A form of payment for the replacement fee: $15
      • All your vehicle’s information.
      • Vehicle Identification Number (VIN), make, model, year.
      Can I get my car title without a SC driver’s license?

      If you do not currently have a valid South Carolina, beginner’s permit, driver’s license, or identification card, you must fill out and complete the Statement of Vehicle Operation (SCDMV Form TI-006), stating at least one of the following applies:

      • You’re an active duty military member in SC.
      • You’re enrolled in an SC school.
      • Your vehicle is kept in this state at least six months a year.
      How do I transfer a title as a new South Carolina resident?

      When you move to South Carolina, you’ll have 45 days to complete a vehicle title transfer through the South Carolina DMV. To transfer your vehicle title to South Carolina, you will need  to submit the following to your local SCDMV office:

      • A completed Application for Certificate of Title and Registration for Motor Vehicle (Form 400)
      • The out-of-state vehicle title and registration certificates
      • Proof of identification (ex. Driver’s license, valid passport, etc.)
      • Proof of paid vehicle property tax
      • Proof of a valid SC vehicle insurance policy
      • Payment for the SC vehicle title transfer fee and $250 infrastructure maintenance fee

      You can submit the following documentation and payment in person or by mail to the following address:

      Department of Motor Vehicles
      P.O. Box 1498
      Blythewood, SC 29016

      Unless you don’t plan on driving your vehicle, you are also required to register your vehicle in the state of South Carolina. You can simply register your vehicle when you title it. Talk to your local DMV office for updates or if you have questions!

      What’s next if my auto title was signed but hasn't transferred yet?

      If a vehicle’s title is signed but not transferred, your vehicle has what’s called an open title.

      In this case, contact the seller to ensure it gets transferred properly. If the seller signed it but didn’t transfer it, this means, the seller didn’t transfer ownership and therefore are not legally liable for anything associated with the vehicle. This could result in penalties, fees, taxes, or other issues coming back on you.

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      • Fast Cash Today • Any Car, Any Year • High Approval Rates • Past Bankruptcies & Bad Credit OK • You Can Keep Driving Your Car •

      ALREADY HAVE A TITLE LOAN WITH ANOTHER COMPANY, AUTO MONEY CAN STILL HELP YOU!  

      If you have a title loan or title pawn with another company, Auto Money may pay it off at a lower interest rate!

      Interested?

      Title Loans in South Carolina

      A title loan is a quick and easy way to get the cash you need, using your vehicle’s title for collateral instead of your credit score. The amount will be determined by our expert appraisers. Auto Money offers competitive interest rates and gives you the most money for your title with instant approval. And the best part is, you get to keep driving your vehicle!

      SC Consumer Loans: Your Rights and Responsibilities

      Disclaimer: This is a high interest loan. You should go to another source if you have the ability to borrow at a lower rate of interest. You are placing your vehicle at risk if you default on this loan.

      Title Pawns in Georgia

      A title pawn is a quick and easy way to get the cash you need, using your vehicle’s title as collateral towards borrowing money. At our Georgia Auto Money stores, you have 30 days to repay the title pawn. If you are unable to pay off the balance within 30 days, Auto Money’s professional and courteous staff is available to discuss repayment options with you.

      Title Loans in North Carolina

      Disclaimer: At Auto Money, we uphold all federal and state laws related to Title Loans. Title loan transactions are prohibited within the state of North Carolina.

      Disclosure: This website is a solicitation for an auto title loan or pawn. This solicitation is not a unilateral contract or a guaranteed offer. All title loans and title pawns and the amount of the title loans or title pawns are subject to Auto Money’s approval that is contingent on several underwriting factors such as a completed loan or pawn application, your employment status, monthly income, and a vehicle evaluation.

      * $20,000 instant approval loan or pawn amount is the maximum an applicant can receive. Actual amount of title loan or title pawn is subject to vehicle appraisal by an Auto Money employee and a complete application is required to be submitted and approved in-person by the party requesting a title loan or title pawn. Certain limitations apply. All title loans or title pawns issued by Auto Money are subject to the customer’s ability to repay the title loan or title pawn.

      ** www.automoneytitle.com is not an online lender. Applications are not processed or approved online. Personal information other than resumes that you submit to this website is an inquiry to receive more information regarding a title loan or title pawn from Auto Money. Any information you submit to this website will be forwarded to the Auto Money office closest to the ZIP code you have provided for the purposes of contacting you about a title loan or title pawn. Once your information is received and processed, you will be contacted by an Auto Money representative. Submitting your application is an agreement to be contacted by a member of our staff.

      To see more of our Terms & Conditions, click here. For any further details, speak with us directly in-store