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Payday Loans in South Carolina (SC)

Are you looking for reliable lenders? We have listed all trustworthy lending institutions in South Carolina for your reference. Just have a look of the list and pick out the one that solves your financial problems.

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    Basic Requirements for Getting Payday Loans in SC

    Payday loans are a great option when you need money quickly. Here are the conditions you need to meet when applying for a payday loan in South Carolina.

    • Be at least 18 years old
    • Have a valid email address and active telephone number
    • Have a steady source of income and earn at least $1000 per month
    • Be a resident of South Carolina. You may need to provide your contact address to prove your legal residence
    • Have no ongoing bankruptcy case

    When Should You Consider Payday Loans in South Carolina?

    There are multiple reasons why you may need to apply for a payday loan. Below are some of the most common reasons:

    • You need to cover an urgent debt that can be costly if you miss it. Perhaps you have another due loan, and you risk facing serious penalties, like the repossession of your car or property, if you donā€™t repay it.
    • Your bank has declined your loan request. Some banks may decline your loan request or ask you to follow a complicated application procedure.
    • You donā€™t want to borrow from your family members or friends. Depending on your situation, you may not be ready to ask for financial aid from your close loved ones.
    • You need money to manage your everyday expenses until the next pay date. Even if you have a stable source of income, you may find yourself struggling to cover your utilities, rent, groceries, and other expenses.

    Can You Take Out a Second Payday Loan in South Carolina?

    No, according to South Carolina state law, you cannot have two payday loans at a time. However, once youā€™ve repaid your payday loan in full, you can take out a new one as soon as the next business day.

    Can Bad Credit Borrowers Request Payday Loans in SC?

    Yes. You can request and qualify for payday loans in South Carolina even with bad credit. But keep in mind that bad credit payday loans usually have higher interest rates compared to loans offered to people with good credit. Also, the amount you are eligible to get may not be very high, with most lenders offering $100 to $1000.

    How Do I Apply for Online Payday Loans in South Carolina

    Many people turn to online payday loans when they want to get a quick cash loan. Typically, the application process takes a few minutes and you can receive the money within one business day. You can complete the entire process online using your mobile phone or PC and receive the money from wherever you are.

    If you donā€™t know where to start when looking for a lender, consider working with an online broker like WeLoans. We will do our best to connect you with reliable and trustworthy lenders within minutes.

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    Our Top Online Payday Loans Services in South Carolina

    • AD
      Personal Loans
      4.9
      24/7 Accessible
      • Various personal loan options
      • Loan amount up to $35000
      • Reasonable rates
      Go to website
    • AD
      Bad Credit Loans
      4.8
      WeLoans' rating
      • Ideal for borrowers with bad credit
      • No collateral needed
      • Flexible repayment terms
      Go to website
    • AD
      Cash Advance
      4.8
      WeLoans' rating
      • Decision as fast as several minutes
      • No extra fees required
      • Easy and safe process
      Go to website

    15 Best Payday Loans & Cash Advance in South Carolina (SC)

    We present you with a list of all lenders who can give you fast money in South Carolina. To meet your urgent need of money, kindly check the following details and see whether these lenders meet your requirements.

    • Auto Money Title Loans

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (556)
      Check map
      • Address:
      • 606 US-15, Bennettsville, SC 29512, United States
      • Phone:
      • +1 843-479-3900
      Andrea Brown says, ā€œVery nice and professional ladies. Would refer anyone to them.ā€View more
      Check Details

    • Auto Money

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (458)
      Check map
      • Address:
      • 3320 N Main St, Columbia, SC 29203, United States
      • Phone:
      • +1 803-252-0721
      robert johnson says, ā€œDefinitely would recommend Misses Jameka or her coworkers. They are nice, patient and willing to explain everything until you ...ā€View more
      Check Details

    • Auto Money

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (428)
      Check map
      • Address:
      • 1218 North, S 1st Ave, Dillon, SC 29536, United States
      • Phone:
      • +1 843-774-3012
      Josh Chavis says, ā€œGreat people, very fast and professionalā€View more
      Check Details
    • 4

      Auto Money

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (412)
      Check map
      • Address:
      • 923 E Main St, Laurens, SC 29360, United States
      • Phone:
      • +1 864-715-0941
      james neal says, ā€œGreat people and very professional fast and easy serviceā€View more
      Check Details
    • 5

      Hometown Finance

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (400)
      Check map
      • Address:
      • 805 W Wade Hampton Blvd Ste E, Greer, SC 29650, United States
      • Phone:
      • +1 864-968-0068
      Mario Briston says, ā€œMrs Bre Murray was very nice and made the process very smooth to get my loan. If you looking for a loan, this is the place to ...ā€View more
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    • 6

      Instant Cash Loans of SC, Inc.

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (376)
      Check map
      • Address:
      • 708 12th St, West Columbia, SC 29169, United States
      • Phone:
      • +1 803-796-9390
      Chris Rogers says, ā€œHighly recommend. The employers here go beyond to help you anyway possible. I was approved over the phone, even though I was ...ā€View more
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    • 7

      Check `n Go

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (311)
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      • Address:
      • 2349 Cherry Rd Suite 17, Rock Hill, SC 29732, United States
      • Phone:
      • +1 803-792-4821
      Summer marie says, ā€œMs. Tina was so helpful and professional. 5 stars šŸŒŸā€View more
      Check Details
    • 8

      Kinsmith Finance

      4.9
      AllStarAllStarAllStarAllStarHallStar
      (428)
      Check map
      • Address:
      • 1016 Laurens Rd ste c, Greenville, SC 29607, United States
      • Phone:
      • +1 864-288-2274
      Stefan McManus says, ā€œThey were very professional and nice! Highly recommend coming here!ā€View more
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    • 9

      Kinsmith Finance

      4.9
      AllStarAllStarAllStarAllStarHallStar
      (381)
      Check map
      • Address:
      • 1722 Broad River Rd Unit I, Columbia, SC 29210, United States
      • Phone:
      • +1 803-216-8646
      Malik Youmans says, ā€œZa , Keisha , Jada, and Monique are all beautiful and nice young ladies and I canā€™t forget funny . They made me comfortable i ...ā€View more
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    • 10

      Auto Money

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (267)
      Check map
      • Address:
      • 200 N Lafayette Dr, Sumter, SC 29150
      • Phone:
      • (803) 774-5664
      Lakeisha Wright says, ā€œGreat fast and friendly service, definitely would recommend!! Thanks Guys!!ā€View more
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    • 11

      Auto Money

      4.9
      AllStarAllStarAllStarAllStarHallStar
      (374)
      Check map
      • Address:
      • 889 N Main St, Clover, SC 29710, United States
      • Phone:
      • +1 803-222-7411
      Sierria Jackson says, ā€œMe and my boyfriend went there and got a title loan on our Honda so we could get it fixed bc we had just got into a wreck ear ...ā€View more
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    • 12

      Auto Money

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (264)
      Check map
      • Address:
      • 502 US-17 BUS, Surfside Beach, SC 29575, United States
      • Phone:
      • +1 843-238-1133
      Misty Lemay says, ā€œAwesome place very friendly and helpfulā€View more
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    • 13

      Kinsmith Finance

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (258)
      Check map
      • Address:
      • 505 SE Main St, Simpsonville, SC 29681, United States
      • Phone:
      • +1 864-228-9935
      Jean Chaco says, ā€œVictoria thank you so much! I would recommend Simpsonville location. Process was all explained!ā€View more
      Check Details
    • 14

      Auto Money

      5.0
      AllStarAllStarAllStarAllStarAllStar
      (257)
      Check map
      • Address:
      • 501 Mauldin Rd, Greenville, SC 29605, United States
      • Phone:
      • +1 864-236-9344
      Avalia Davis says, ā€œBrandi, the manager was a delight to work with. She was very thorough in explaining how the auto loan is processed.ā€View more
      Check Details
    • 15

      Kinsmith Finance

      4.9
      AllStarAllStarAllStarAllStarHallStar
      (354)
      Check map
      • Address:
      • 10159 Two Notch Rd Ste A, Columbia, SC 29229, United States
      • Phone:
      • +1 803-788-8990
      Curtis Johnson Jr says, ā€œAgain Kinsmith Finance are very good with helping people that pays there bill on time. I just got increase on my loan today. ...ā€View more
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    South Carolina Payday Loans Regulations

    • Loan Amount (max)

      $550

    • Loan Term (max)

      31 days

    • Finance Charges

      15% of the amount advanced

    • APR

      391%

    Industry regarding payday loans in South Carolina is Legal. The law states that there is a $550 amount limit offered by the lenders. Borrowers here can hold a payday loan for a period of not longer than 31 days. The maximum finance charge is 15% of the amount advanced, and the APR is 391%.0 rollovers are allowed according to the law.

    South Carolina Payday Loan Amount

    • A licensee's total amount advanced to any customer for deferred presentment or deposit at one time may not exceed $550, excluding fees allowed under Section 34-39-180 (E).

    South Carolina Rates, Fees, and Other Charges

    • A licensed lender may not charge more than 15% of the amount of the check, either directly or indirectly (Section 34-39-180). This fee can only be legally imposed once per written agreement, which means no more than 15% for each loan. It is not permissible to extend it.
    • No rollovers or extensions are permitted: Licensed payday lenders are prohibited from renewing or extending the presentation of a check, or delaying its deposit for the consideration of old or even new loans for any period of time longer than that specified in the customer agreement (Section 34-39-180).
    • However, there is a limit on NSF fees, which should not exceed $10 per check.
    • In the event that a borrower is unable to repay a deferred presentment transaction, an extended payment plan for a 12-month period must be presented to them.

    How much does a $200 payday loan cost in South Carolina?

    With a 14 days term:

    ARP: 391%

    Total Interest Paid: $200*391%*(14/365) = $30

    Total Payments: $200+$30 = $230

    The Maximum Payday Loan Term in South Carolina

    • Payday loans can only be taken out for a total of 31 days; no extensions are permitted after that.

    Consumer Information

    • The state forbids criminal prosecution of borrowers.

    In the event of a payday loan problem or question, contact the South Carolina State Board of Financial Institutions.

    Search for Payday Loans in South Carolina by Prime Cities

    To locate an online payday loan in South Carolina, the most convenient way is working with WeLoans. Just click on your target city below. Our strong database will help you find the right lender!

    View More Cities

    Calculator for South Carolina Payday Loans Estimate

    Utilize the calculator below to keep yourself informed about the estimated total costs of a payday loan in South Carolina.

    Estimated Payment

    $ null

    • Total Principal Paid:$ 1,000.00
    • Finance charge:$ 255.62
    • APR: 311.00 %

    Payment Breakdown

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    South Carolina Payday Loans Nearby

    Kinsmith Finance
    5.0
    (255)
    Loan agency
    Auto Money
    5.0
    (244)
    Loan agency
    Check `n Go
    4.9
    (325)
    Loan agency
    Instant Cash Loans of SC, Inc.
    5.0
    (236)
    Loan agency
    View all loan stores in South Carolina

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