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Payday Loans Online in Columbia, SC
Columbia, SCPayday Loans Online

Payday Loans in Columbia, South Carolina

4.3349753694581

Need cash fast in Columbia, SC? Apply for a payday loan online and get the funds you need quickly and easily from top direct lenders.

Regardless of your credit score or whether you have a bank account or not, you can still get the cash you need in Columbia, SC. Apply online for a fast payday advance, without the need for a credit check. Complete a free application form and receive an instant decision from top lending companies within minutes.

South Carolina Payday Advance is a short-term small-dollar loan for any emergency. It's available for those with bad credit, no credit, no income, even no bank account. Just fill in a simple application online now.

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Are Payday Loans Legal in Columbia, SC ?

Loan Rates and Fees, Laws and Regulations in South Carolina.

Payday loans in South Carolina are legal in amounts up to $550. According to S.C. Code §§ 34-39-110 et seq1, the maximum term for a Payday cash advance is 31 days. The APR is 390%. The lenders are allowed to charge 15% of the principal amount, which is $15 for a 14-day $100 loan.

No rollovers are permitted. But once per twelve months, you can apply for a repayment plan. After the eighth loan is repaid there must be a 2-day cooling-off period.

Law statuslegal
MIN Loan AmountNone
MAX Loan Amount$550
MIN. Loan TermNone
MAX. Loan Term31 days
MAX APR390%
Additional fees15% maximum
NSF feeNot more than $10 of a check
Collateral or guarantorNone, unsecured
Number of simultaneous loansNot limited
Cooling off period2 business days after 8 consecutive loans
RolloverNot allowed
Extension, repayment planRepayment plan once a year
Default penaltiesNot stated
Credit score requirementsAvailable for Bad Credit
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Apply for online Payday Loans and get instant decision from the best Columbia lending organization

TOP RATED COMPANIES

Rates last updated March 28th, 2024
5
(1 vote)
E-Skills Loans
Available for Bad Credit
4.7931873479319
(822 votes)
Smart Pig
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

15,5%
Min MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.1394025604552
(1K+ votes)
Indylend
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

200%
MIN APR

The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.5059328968903
(4K+ votes)
LEND YOU
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.537037037037
(810 votes)
Funded Justice
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

200%
Min APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

How to Get a Payday Loan in Columbia, SC?

Getting a payday loan in Columbia, SC, is a quick and straightforward process. First, you need to find a reliable lender who provides payday loans in Columbia. You can do this by searching online or asking for referrals from friends and family. Once you have found a lender, you will need to provide them with some basic information, such as your name, address, and employment details. You will also need to provide a post-dated check or authorize an electronic debit for the loan amount plus fees. The lender will then provide you with the funds, which you can use to cover your expenses until your next payday.

It is important to note that payday loans are short-term loans and typically have high interest rates and fees. As such, it is essential to carefully consider your financial situation before taking out a payday loan. Make sure that you will be able to repay the loan on time and in full to avoid additional fees and charges.

 

How to Choose a Loan Company in Columbia, SC?

Choosing a loan company in Columbia, SC, can be a daunting task, especially if you are unfamiliar with the market. However, there are a few things that you can do to ensure that you choose a reputable and trustworthy lender. First, research the lender online and check their customer reviews and ratings. Look for lenders with positive reviews and a history of providing excellent customer service.

Next, compare the interest rates, fees, and repayment terms offered by different lenders. Make sure that you fully understand the terms of the loan, including any additional fees or charges that may apply. Finally, make sure that the lender is licensed and registered with the state of South Carolina. This will ensure that they comply with state regulations and protect your rights as a borrower.

 

How to Apply for Payday Loans in Columbia, SC?

To apply for a payday loan in Columbia, SC, you will need to provide some basic information to the lender, including your name, address, employment details, and bank account information. You will also need to provide a post-dated check or authorize an electronic debit for the loan amount plus fees. Once the lender has verified your information and approved your loan, they will provide you with the funds, which you can use to cover your expenses until your next payday.

 

What are the Pros of Payday Loans in Columbia, SC?

Payday loans in Columbia, SC, can provide several benefits, especially if you need cash quickly to cover unexpected expenses. One of the most significant advantages of payday loans is their accessibility. Unlike traditional loans, which often require extensive documentation and credit checks, payday loans are available to almost anyone with a job and a bank account.

Another advantage of payday loans is their speed. Most lenders can approve and provide funds for payday loans within a few hours, making them an excellent option for those who need cash quickly.

Finally, payday loans can help you avoid costly late fees, overdraft charges, and other penalties that can result from missed payments or bounced checks. By providing cash quickly, payday loans can help you avoid these fees and maintain your financial stability.

 

Bad Credit Payday Loans in Columbia, SC

If you have bad credit, getting approved for a traditional loan can be difficult. However, many lenders in Columbia, SC, offer payday loans to borrowers with poor credit histories. These loans typically have higher interest rates and fees than traditional loans but can provide a source of funding when other options are unavailable.

 

Summary

In summary, getting a payday loan in Columbia, SC, involves finding a reputable lender, providing basic information, and agreeing to the loan terms. When choosing a loan company, it is essential to research the lender, compare rates and terms, and ensure that the lender is licensed and registered with the state. To apply for a payday loan, you will need to provide some basic information to the lender and agree to the loan terms. While payday loans can provide quick access to cash, they are typically expensive and should be used as a last resort. If you have bad credit, you may still be eligible for a payday loan, but it is important to carefully consider the costs and alternatives before applying.

Cash Advance and other Money Offers in Columbia, SC

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.

Payday Loans Available in Columbia, SC by the following ZIP codes:

29044 29045 29061 29063 29147 29201 29202 29203 29204 29205 29206 29207 29208 29209 29210 29211 29212 29214 29215 29216 29217 29218 29219 29220
29221 29222 29223 29224 29225 29226 29227 29228 29229 29230 29240 29250 29260 29290 29292
  • Easy online application
  • Bad credit is OK
  • Instant approval
  • No credit check considered
  • Competitive rates
  • Same day financing

In 2024 there are 134,309 people living in Columbia, SC. According to the statistics, 8059 of them look for "Payday Loans Near Me in Columbia, SC" or apply for Columbia Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 41260. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Columbia, South Carolina direct lenders.

Payday Loans Store Locations in Columbia, SC

Check Into Cash
Advance America
Quick Cash
Quik Cash
Uptown Cash
Carolina Payday Loans
Approved Cash Advance
No Faster payday loans
Carolina Title Loans, Inc.
Automoney Inc
Carolina Title Loan

FAQ

 

How to qualify for online Payday Loans in Columbia, SC?

 

How Columbia Payday Loans online work?

 

Can I get a Payday Loan with bad credit in Columbia, SC?

 

Do Columbia lenders offer no credit check Payday Loans?

 

How fast can I get a Payday Loan in Columbia, SC?

 

Do lenders in Columbia, SC require a certificate from the employer?

 

How long does an online payday loan take?

 

Do you have to specify the purpose of a payday loan?

 

Can I take a payday loan at Compacom if I have a liability with another loan company?

 

How to sign a payday loan agreement?

 

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