Compare payday loans in Charleston, South Carolina |
charleston south carolina

Payday loans in Charleston, South Carolina

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Learn the laws of your state and find out where you can go to borrow a short-term loan.

South Carolina has a few regulations in place to protect residents of Charleston. When you’re looking for a payday loan — or any other short-term loan — take a moment to compare your options. But remember: Payday loans can be pricey, and you won’t have much time to repay what you borrow.

Our top pick: Jora Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $2,600
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies
  • Requirements: Active checking account, regular source of income, email address
  • Quick application process
  • Bad credit OK
  • Financial resources

Our top pick: Jora Installment Loans

Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $2,600
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Varies
  • Requirements: Active checking account, regular source of income, email address

Can I get a payday loan in Charleston, South Carolina?

Yes. All payday lenders operating in Charleston are required to follow South Carolina Code §§ 34-39-110 et seq. Under these laws, you can borrow a loan of up to $550 for 31 days or less. Lenders won’t be able to charge more than 15% of the principal amount as interest.

The total cost of a loan will depend on your lender and the amount you borrow. If you choose to borrow the maximum loan amount, you’ll repay $632.50 — that’s $82.50 in interest and the principal of $550. This can be difficult, especially if your loan term is less than 31 days, so make sure your budget can handle the high cost of a payday loan before you sign any loan agreements.

Compare lenders offering payday loans in Charleston

Updated June 27th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
1 business day
Direct deposit, meet minimum income requirements
Comes with the option to change your due date so you won’t fall behind on repayments.
1 to 2 business days
Active checking account, regular source of income, email address
Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
1 business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Varies by state
1 business day
Regular source of income, bank account, US citizen or permanent resident, ages 18+
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

Compare up to 4 providers

What do I need to apply?

You can apply in-store or online, but you’ll need to give the lender personal information about yourself in order to confirm your identity and your income. This may include:

  • Your name, address, email and phone number.
  • Your date of birth and Social Security number.
  • Details from a valid form of ID.
  • Your employer’s name, address and phone number.
  • Your gross monthly income and pay schedule.
  • If you’re applying online, details about your bank account.

Lenders will also typically require that you meet a few basic minimums: You must have a regular source of income, you must be a US citizen or permanent resident and you must be at least 18 years old in order to qualify.

Where to find short-term loan locations in Charleston

Short-term loan locations near me in Charleston, SC

  • Check into Cash. Dorchester Road and Savannah Highway
  • Carolina Payday Loans, Inc. Savannah Highway and Sam Rittenberg Boulevard
  • Approved Cash. Savannah Highway
  • ACE Cash Express. Dorchester Road, Sam Rittenberg Boulevard and McMillan Avenue
  • Advance America. Ashley River Road, Folly Road and Rivers Avenue
  • First American Cash Advance. Dorchester Road
  • Check ‘n Go. Sam Rittenberg Boulevard

Must read: Be cautious of restricted loan term

Payday lenders in Charleston are legally required to limit your loan term to 31 days or less. That means you’ll likely have less than a month to repay your loan, which can lead to financial struggles down the road if you don’t budget carefully.

When you borrow, keep a few tips in mind: Only take out as much as you need, and if you know you won’t be able to repay your loan on the due date, contact your lender. Fortunately, lenders aren’t allowed to charge any returned check fee in South Carolina. That being said, it may be worth your time to look into some short-term loan alternatives before you borrow.

What are my other short-term loan options in Charleston?

Because payday loans are so limited, you may want to consider two other top options when you’re looking for a loan.

  • Installment loans. South Carolina doesn’t have specific limits on installment loans, which give you more time to repay what you borrow. However, there are still some regulations lenders must abide by. You can borrow no more than $7,500 from an installment loan provider, and the amount you pay in interest will vary by loan amount.
  • Auto title loans. Auto title loans allow you to use your car’s title as collateral. In order to avoid the short-term loan restrictions, many auto title loan lenders only offer loans of $2,500 or more — which means you might not be able to find one if your car isn’t worth much or if you can’t afford the high fees of borrowing such a large amount.

Bottom line

Payday loans are available in Charleston, but it’s still up to you to make sure your lender follows all of South Carolina’s state regulations. And when you’re looking to borrow, be sure to balance the cost of the loan against your need.

You should also take the time to learn more about payday loans so you can be sure you’re making the right financial decision.

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US Payday Loans Offers

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CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

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Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

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OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

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LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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