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Part of the TitleMax Title Loans chain · locations
TitleMax Title Loans in Dillon, SC
Dillon, SC location of TitleMax Title Loans at 1300 US-301 offers same-day title loans with flexible terms and fast approval.
Data compiled from public sources · Rating from CreditDoc methodology
TitleMax Title Loans Review
TitleMax Title Loans is located at 1300 US-301 Suite 2 in Dillon, SC, operating as a standalone storefront. The Dillon location offers convenient access for residents in the surrounding area seeking title-based loans. Hours of operation are Monday through Saturday, with extended hours on weekdays (10 AM–7 PM Monday and Friday, 10 AM–6 PM Tuesday through Thursday, and 10 AM–4 PM Saturday; closed Sundays).
At this Dillon, SC branch, you can apply for title loans secured by your vehicle. The application process is streamlined to minimize wait times, and the team at the 1300 US-301 location handles approval and funding quickly. For questions about loan terms, required documentation, or to discuss your vehicle's value, call the Dillon store directly at 843-774-0238.
If you're a Dillon resident facing unexpected expenses or cash needs, TitleMax Title Loans uses your car's title as collateral for fast funding. You'll need to bring a valid ID, proof of residency, and your vehicle's title. The process is designed to get cash in your hands quickly without a lengthy approval process.
Services & Features
Bilingual customer service
Car title pledge (secured single loan)
Credit review using vehicle value as approval factor
Flex line of credit (secured revolving credit backed by vehicle title)
In-store loan application
Incremental or lump-sum withdrawals from line of credit
Loan management via online customer portal
Online loan application (unsecured, 11 states)
Same-day cash funding
Unsecured flexible line of credit (personal loan, in-store and online)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day cash disbursement upon approval
- Accepts most credit types — vehicle value is factored in, not credit score alone
- Borrowers keep driving their vehicle while the loan is active
- Bilingual staff available at this location
- 481+ Google reviews with a 5.0/5 average rating at the Memphis Summer Avenue branch
- Three product types available at one location: title pledge, secured flex line of credit, and unsecured personal line of credit
- Open six days a week including Saturdays
Cons
- No APR, fee, or rate information disclosed on the website — actual cost requires a store visit or phone call
- Title loans carry inherent repossession risk — vehicle is collateral and can be seized for non-payment
- Online unsecured loans restricted to 11 states; not available nationally
- Closed on Sundays
- High-cost emergency lending category — title loans routinely carry triple-digit APRs
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is TitleMax Title Loans legitimate?
Yes. TitleMax Title Loans is a registered company, headquartered in 1300 US-301 Suite 2, Dillon, SC 29536.
Quick Facts
- Headquarters
- 1300 US-301 Suite 2, Dillon, SC 29536
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on TitleMax Title Loans
TitleMax is best suited for borrowers with poor credit who own their vehicle and urgently need cash — the secured lending model trades credit score requirements for vehicle collateral. The central caveat is cost and risk: rates are not disclosed online, title loans are among the most expensive credit products available, and non-payment can result in loss of the borrower's vehicle.
Best For
- Borrowers with poor or thin credit who own their vehicle outright and need same-day cash
- Consumers who cannot qualify for traditional unsecured personal loans
- Memphis-area residents needing a revolving secured line of credit for recurring emergency expenses
- Spanish-speaking borrowers in the Memphis area seeking bilingual in-person service
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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