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South Carolina Payday Loans up to $1K
Do you live in "The Palmetto State" which produces more peaches than anywhere in the world? Do you need urgent cash? Apply now and get it ASAP.
Caught short of cash between paychecks? North Carolina Payday Loans up to $550 may be a perfect sollution! Highly available even if you have a bad credit score. Besides, you don't need to risk any of your property as Payday Loans are unsecured. They are easy to apply for with a variety of online and in-store direct lenders ready to offer you an instant decision and the best rates and fees.
Fill out a simple and free application form which takes only a few minutes to find out if you qualify for a loan, It won't affect your credit history. Upon approval the money will be deposited into your bank account the next business day. Applying in-store you get the chance to receive the necessary amount of cash the same day, even in an hour. Repayment is done automatically, the money is simply withdrawn from your account when you get the next paycheck within 31 days. The total amount which is due to repayment depends on the APR set by the lender and some additional fees like a verification fee. The rates and terms may vary from lender to lender. Read all the details carefully before you sign an agreement.
Compare Payday Loans in South Carolina from the Best Direct Lenders Online or find a Loan Store near your location.
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Cash Advance and other Money Offers in South Carolina:
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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.
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.
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.
Check Into Cash
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.
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.
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.
Greenlight Cash
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.
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.
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.
Jora Credit
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.
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.
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.
Are Payday Loans Legal in South Carolina?
Loan Rates and Fees, Laws and Regulations in South Carolina.
Payday loans in South Carolina are legal in the amount up to $550. Larger sums are available within Installment ($1000 - $5000) or Personal ($5000 - $15000) loans. According to S.C. Code §§ 34-39-110 et seq1 the maximum term for 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 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 status | legal |
| MIN Loan Amount | None |
| MAX Loan Amount | $550 |
| MIN. Loan Term | None |
| MAX. Loan Term | 31 days |
| MAX APR | 390% |
| Additional fees | 15% maximum |
| NSF fee | Not more than $10 of a check |
| Collateral or guarantor | None, unsecured |
| Number of simultaneous loans | Not limited |
| Cooling off period | 2 business days after 8 consecutive loans |
| Rollover | Not allowed |
| Extension, repayment plan | Repayment plan once a year |
| Default penalties | Not stated |
| Credit score requirements | Available for Bad Credit |
| Law status | legal |
| MIN Loan Amount | $1,000 |
| MAX Loan Amount | $5,000 |
| MIN. Loan Term | 90 days |
| MAX. Loan Term | 36 month |
| MAX APR | 225% |
| Collateral or guarantor | None, unsecured |
| Credit score requirements | Available for Bad Credit |
| Law status | legal |
| MIN Loan Amount | $1,000 |
| MAX Loan Amount | $35,000 |
| MIN. Loan Term | 90 days |
| MAX. Loan Term | 60 month |
| MAX APR | 450% |
| Collateral or guarantor | None, unsecured |
| Credit score requirements | Available for Bad Credit |
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Quick and Easy Payday Loans Online
Compare top online companies offering fast cash advance with no faxing, no paperwork, possibly no hard credit check and no teletrack. Filling out a free application form guarantees you instant decision and high approval chances even if you have a bad credit score.
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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.
The minimal percentage allowed that actually represents the cost of your loan charged for a month. It's more important for the customer as mostly Payday loan are borrowed for a month term and paid off with the next paycheck.
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.
Your Faster Payday
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.
The minimal percentage allowed that actually represents the cost of your loan borrowed for a month. It's more significant criterion than APR as mostly Payday loans are borrowed for 14-30 days until the next paycheck.
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.
Fast Holiday Loans
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.
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.
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.
PayDay Loan Calculator
Before you apply for a short-term cash advance consider other Payday Loan Alternatives
A warning about short-term payday loans
Applying for a short-term Payday Loan you should be very careful and responsible. Plan your budget carefully not to default the loan. Though an overpay may be only $1 a day for 100 dollar cash advance you must remember that not paying off the money on time may lead to additional penalty or NSF fees and high total cost.
So, before you make a final decision to apply for a Payday Loan consider other alternatives that may be helpful when you need urgent funds:
- Think of other more affordable types of loans with lower rates and fees and longer repayment terms such as Installment Loans and Personal Loans,;
- Consider Debt Consolidation Loans, Credit Builder Loans, Credit Cards;
- Try social services and local assistance programs;
- Look for additional part-time jobs or some side gigs and freelance opportunities;
- Start recycling for money;
- Address a person able to help you – employer, creditors, family and friends;
- Use traditional banks or credit unions to get cash.
And keep in mind that the most important thing about any loan, especially Payday Loan is to pay it off on time. It helps you avoid rollovers, renewals or extensions and increases your chances to get out of debt fats and easy.
Table of Contents:
Payday Loans in South Carolina
Cash Advance in South Carolina
Top Payday Loan Companies in South Carolina
Are Payday Loans Legal in South Carolina?
Payday Loan Interest Rates in South Carolina
Online Payday Loans lenders in South Carolina
Payday Loan Calculator in South Carolina
Payday Loan Requirements in South Carolina
South Carolina Payday Loans laws
Online Payday Loans in South Carolina
Bad credit Payday Loans in South Carolina
Quick Unsecured Payday Loans in South Carolina
Payday loans calculator: rates and fees in South Carolina
Payday Loans from Direct Lenders in South Carolina
No credit check Payday Loans in South Carolina
Payday Loans near me in South Carolina
South Carolina other instant cash advance options
How do Payday Loans Work in South Carolina
South Carolina Payday Loans laws
First of all, Payday Loans are legal in Minnesota according to the S.C. Code Ann. 34-39-110 et seq. Though there are certain rules which state:
- The maximum amount of $550 at a time.
- The number of simultaneous loans is not specified.
- The maximum repayment period is 31 days.
- The finance charges are 15% of the amount advanced.
- The maximum APR is 391%.
- No rollovers or extensions are allowed.
- Criminal charges are prohibited.
If you want to file a report or complaint on Payday lenders in Minnesota, address the South Carolina State Board of Financial Institutions.
Online Payday Loans in South Carolina
Any resident of South Carolina can apply for a Payday Loan both online and in-store. But, of course, online lending is becoming more and more popular as it has plenty of advantages:
- it gives you a chance to compare a lot of different offers at once,
- you can avoid driving, doing paperwork and waiting in lines,
- applying is free and simple,
- you have very high chances of approval even with a bad credit score,
- you can find some lenders ready to give you the loan with no credit check,
- it's available 24 / 7.
The process of applying online is quick and simple:
you compare the lenders and choose the one with the best rates and fees;
you fill out the necessary information in the application form
you get the money deposited into your account within 1 business day
y
ou pay off the loan with your next paycheck
Start with the first step - compare the top-rated Payday Lenders online.
Bad credit Payday Loans in South Carolina
Bad credit loan is the type of credit given to borrowers with a FICO score below 640. You usually need at least 600 to qualify for such loan. To get money you may turn to credit unions, family, friends, peer-to-peer lending platforms or use online lending service. When choosing an online lender for a bad credit loan, there are important features to take into account. You can find all these important criteria on COMPACOM.com website, which gives you a unique opportunity to compare companies. Pay attention to:
- Type of lending company
- Credit history and general qualifications
- Co-signer option
- Additional eligibility qualifications
- Employment requirements
- Interest rates and types
- Loan terms
- Fees and penalties
- Repayment options
The types of loans available for bad credit applicants are Payday Loans, Personal Loans and Installment Loans. They typically have higher interest rates and shorter terms than loans offered to people with good credit. You are most likely to get a Payday cash advance as its amount is not very high, $100 - $1000, and the APR on the contrary may exceed 400%. This fact shouldn’t frighten you as due to short (14 - 30 days) term the overpay could be only $1 a day.
Quick Payday Loans in South Carolina
Payday Loans are considered to be fast because:
- it takes only some minutes to apply
- you get instant decision
- the money is deposited into your bank account within a day, or sometimes - an hour.
If you really need money fast consider applying in-store. Check cahsers may give you the cash at once.
The main reasons to apply for a Payday Loan in South Carolina are:
- You get the funds fast. Banks take a while to qualify you for a loan. Direct lenders usually guarantee instant approval.
- You can spend the money on any personal needs you have.
- It's possible to find a lender ready to approve you with no credit check.
- If you have bad credit score and can't get a loan from banks and other traditional financial institutions, you can always find a direct lender ready to help you.
- The requirements for a Payday Loan are very simple.
Short-term loans calculator: rates and fees in South Carolina.
The total cost of any loan consists of the principal, interest and additional fees. The law in South Carolina says that payday lenders can only charge you up to $15 per $100. So, if you need $100, the check will be for $115. If you need $200, then the check will be for $230. Even though payday lenders call this charge a fee, it has a 391% APR (Annual Percentage Rate) on a two-week loan.
According to the Attorney General's Office's annual report on Payday lending in 2016, there were 414,284 payday loans made during that year for a total of more than $165 million. That's an average of about $400 per loan.
To pay loans of that amount off, borrowers had to pay 45 percent in interest, or about $32.
Additionally, they are charged origination fees of nearly $38 and monthly maintenance fees of $49.
Altogether that averages to an annual percentage rate of 129 percent, according to Coffman's office.
To find out how much the necessary amount Payday Loan will cost you may use our calculator.
Payday Loans Direct Lenders in South Carolina
Both online and in-store direct Payday lenders must:
- be licensed and follow the rules set by the Payday Loans Act, 2008;
- include the most relevant information on the first page of your contract: the amount of the loan, the terms of the loan, the cost of the loan;
- never ask for or accept payment by automatic deduction from your paycheck (assignment of wages)
- explain the cost of a payday loan and its possible consequences.
First of all, before choosing a lender do some research, don't apply with the first company you see, be responsible as it can influence your future financial wellness.
- Surf the Internet;
- Use some comparing services such as compacom.com;
- Read the customers' reviews, etc.
Before signing an agreement with a lender find out:
- if he is licensed;
- if he follows all the state's rules and regulations concerning amounts, terms and fees for Payday Loans;
- if he promises and guarantees too much or seems too good - keep in mind that several loans at a time, no credit check loans, garanteed approval are more likely to be a myth;
- if he has a safe website and protects your personal information.
When you do sign an agreement with the lender you've chosen don't forget what the South Carolina law says about it:
- the agreement must contain the name and address of the lender and his office, the name of the lender's representative who signed the agreement, a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.
- there mustn't be any prepayment fees,
- no additional guarantor can be required,
- the money should be provided in the form of cash, other forms are allowed only with the borrower's agreement,
- a borrower should get the copy of this agreement
No credit check Payday Loans in South Carolina
To find the lender ready to approve you for a Payday Loan without credit check is hard but possible. But you must understand that the fees for such cash advance may be higher than usual as it's more risky for the lender. So consider getting a loan with at least soft credit check. It'll make the process more safe for both you and the lending compeny and the loan will be cheaper. Still it won't damage your credit history.
Payday Loans near me in South Carolina
If you are searching for Payday Loans near you in South Carolina, you're likely to need store locations with address and so on. It may be a good idea if you borrow money for the first time and require a personal assistant's help or if you want to get the cash advance as fast as possible, same day. But in other cases, there's nothing more convenient than applying for a Payday Laon online filling out a simple loan request. Thus you get an opportunity to compare various lenders, choose the most suitable offers with the lowest rates, and save time and energy. Besides, online Payday Loans are highly available even for bad credit borrowers in South Carolina. Some direct lenders offer No credit check loans, and practically no one requires a collateral.
If you're still looking for locations of Payday Loan stores in South Carolina in your city, use our Payday Loan store locator. Find the addresses, directions, phone numbers and other relevant information which will help you find the cash advance faster and easier.
South Carolina Payday Loan alternatives
If for any reason you want to avoid getting a short-term Payday Loan - consider the following alternatives:
- Installment Personal Loans - they are cheaper and repaid over a longer period of time;
- State Assistance Programs - if you are the resident of South Carolina and have a low income you are eligible to get some help from the Government;
- Ask your family or friends for help - it may sound embarassing bt they usually don't charge any interest and fees for giving you the money. Just keep in mind, you 'll have to pay it off all the same;
- Apply for credit counselling fron non-profit organisations;
- Plan your budget more carefully, save money, or earn some extra money.
FAQ
When the lender makes the loan he will have to put your information into a data base used only by other payday lenders and the state agency that watches over them. The payday lender must tell you that he is putting your information in the data base and that you cannot get another loan until it is paid back. If you still owe on a payday loan and go to another lender, that lender will check the data base and by law must deny you the loan.
No. They can’t even tell you that you can be arrested or put in jail. If your check doesn’t clear, then your bank will charge you for “bouncing” a check, and the lender can bring you to Civil Court to collect the money you owe. Of course, if a payday lender deposits the check, it could cause other checks you have written to bounce. You are then responsible for any of those bad checks. In addition, you cannot be arrested by a payday lender for a “stop payment” or for closing your account.
Requirements to qualify for a Payday Loan in South Carolina:
What do I need to qualify for a short-term cash advance?
Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:
- South Carolina (US) residence
- Minimum regular income of $1,000 per month
- Valid checking or savings account with direct deposit
- Phone number and e-mail address (if applying online, you must be able to be contacted via phone if verification of application information is necessary)
- Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
- If applying Online, you must provide a valid Social Security Number
- If applying at Loan Store, you must bring a valid government issued photo ID. A Social Security Number might not be required
- If applying in-store, you must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.
What are Payday Loans in South Carolina?
All you need to know about Payday Loans.
Payday loans, or as they are also called “small dollar”, “bad credit”, “same day”, “short term”, “cash advance” are a kind of easy quick unsecured $100 - $1000 cash advance paid off with your next paycheck in 14 – 30 days. As soon as you are approved you are likely to get the money in your account in 24 hours or even the same day. Bad credit is not a problem to receive the necessary funds. Most direct lender Payday Loans are granted to any borrower with a steady income.
So, the main characteristics of Payday Loans are:
- $100 - $1000 average loan amount;
- 14-30 days repayment term;
- money in your account in 24 hours or even the same day;
- available even for bad credit;
More than 12 mln Americans use cash advance every year.
It’s legal in 36 states (with some restrictions in 9 of them) and prohibited in the other 14 and the District of Columbia.
You can take a Payday loan in storefronts, online and even in a few banks in South Carolina. It’s very simple to apply for it:
- just fill out a form with the state and e-mail address,
- if you are over 18, have a permanent job, income and a valid bank account, you have 98% chance to get instant approval from a direct lender;
- receive the money in your bank account less than 24 hours.
Payday loans are very attractive for the majority of borrowers because you don’t need any guarantor or collateral, and you can get it even with a bad or poor FICO score.
On the other hand, they are notorious for charging too high APR and leading to a continuous debt trap, but it’s a common myth. To debunk it we provide you with the cost of $100 Payday Loan at 400% APR for 14 days which is only $1 a day. You can calculate the cost of your loan free using our Payday Loan Calculator. Try Payday cash advance and make sure that it’s really as easy as ABC: Affordable, Beneficial, Convenient!
How do Payday Loans Work in South Carolina comparing to Installment Loans and Personal Loans?
Payday loans in South Carolina are small dollar ($100 - $1,000) short term (14-30 days, in some cases up to 3 month) cash advance which is characterized by its easiness, speed, availability, even for those with bad credit, or without a credit history.
Payday lending is strongly regulated. Some states restrict or prohibit short-term loans for high costs.
Installment loans in South Carolina are $1,000 - $5,000 credit borrowed for 6 – 36 months and paid back in equal repayments, usually unsecured and available for those with bad credit score.
Personal loans in South Carolina are $5,000 - $35,000 credit granted for personal use, usually unsecured, backed up only by your ability to pay it back, for 6 – 60 months and repaid in equal installments.
The process of getting a Payday Loan in South Carolina is quick and easy both online and in-store:
- Fill out a simple application form stating the amount you need, your name and e-mail address;
- Get instant decision and approval from one of the best direct lenders;
- Read the agreement and if you are satisfied with its terms and conditions sign it;
- Get the necessary funds in your account within 1-2 days if you apply online or same day if you go in a store.
Read more: How Payday Loans work.
South Carolina Payday Loans vs Installment Loans vs Personal loans.
The key differences between Payday, Installment and Personal loans lie in their amount, repayment terms and rates. It can be seen more vividly in the form of the table:
|
|
Payday loans |
Installment loans |
Personal loans |
|
Amount |
100$ - 1,000$ |
1,000$ - 5,000$ |
5,000$ - 35,000$ |
|
Term |
14 - 60 days |
60 days - 36 months |
Up to 60 months |
|
Repayment |
With the next paycheck |
In scheduled installments every fortnight, month, 2 months. |
Monthly, or in parts as it’s set in the agreement. |
|
Interest rates, APR |
APR – 300%-750%, plus 10-15% of 100$ borrowed |
5.99% to 225% APR plus 5% fee |
3.99% APR plus 450% origination fee |
|
Collateral or guarantor |
No |
No |
No |
The APR is the loan interest rate and is based upon the amount, cost and term of the loan, repayment amounts and timing of payments. Lenders are legally required to show the APR and other terms of your loan before customer executes a loan agreement. APR rates are subject to change.
Taking into account the enumerated peculiarities this or that cash advance is preferred by certain borrowers for their special needs.
Payday cash advances are mostly applied for by people with bad credit, with a low income, who need a little cash for a short period. While Installment and Personal loans better suit the borrowers with good or bad credit, who want to take out higher amounts of money and need more time to pay it back, and don’t want to do a lot of paperwork looking for a collateral or guarantor.
Benefits of different types of loans:
Payday loans
- Easy, quick way to get extra cash
- Short repayment term, possibility to pay it back with the next paycheck
- Suitable and convenient for emergency expenses
Installment loans
- Higher amount than a payday loan
- Smaller interest rates
- Easier to pay off in installments over a longer period of time
Personal loans
- Rather high amount of money
- Available without guarantor or collateral (in contrast to mortgages, auto loans, etc.)
- Easier to pay back having a precise scheduled plan.
As we can deduce, there are credit types, with their advantages and disadvantages, to suit needs and wishes of any American. The only thing you must do – get information and compare the offers. That’s exactly what our service helps you with. COMPACOM – compare all and choose the best one!
Online Same Day Payday Loans in South Carolina
Many South Carolina lenders promise you a guaranteed instant approval for a Payday Loan. But be careful, take into account all the risks concerning short-term cash advance. You should understand that not all the borrowers can be approved. Though South Carolina Payday Loans are really highly available, even for bad credit and with NO credit check sometimes, lenders can’t guarantee 100% approval. If you have no job, very low income, or many debts in the past, your chances to get the money are very low.
The truth is you do get an instant decision from a lender. Especially if you fill out our online application form you save plenty of time and energy and make lending procedure much faster and easier. It takes only several minutes to match you with the necessary lender and get his reply. That’s why Payday Loans are rightly considered the fastest and the easiest.
Payday loans are known to be short-term small-dollar cash advance, starting minimum with $100 and up to $1,000. Applying is easy and quick especially if you apply for a Payday Loan online. The funds can be deposited into your bank account the next business day if you borrow from online direct lenders. If you drive to a store near you in it’s possible to get a Payday Loan with the same day deposit.
Read more: Same Day Payday Loans.
Select your city to find and compare the most suitable lender.
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SC CUSTOMER REVIEWS
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State Regulator
For more detailed information consult the South Carolina State Board of Financial Institutions, 3rd Floor, Edgar Brown Building 1205 Pendleton St., Columbia, SC 29201, (803) 734-2020, http://www.scconsumer.gov/.
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