Payday loans in Columbia, South Carolina |
columbia SC

Payday loans in Columbia, South Carolina

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If you’re looking into a payday loan, you can find lenders in Columbia, South Carolina.

When you’re stuck in a difficult financial situation and need to pay bills with money you don’t have, a payday loan could be the solution to your problem. These are short-term options, and although they’re more expensive than traditional loans, you might be able to get one even if you have bad credit.

Our page outlines what you’ll need to know about payday lending in Columbia, SC.

Jora Installment Loans

Jora Installment Loans

Get an installment loan with a quick application and fast turnaround time.

  • Min. Loan Amount: $500
  • Max. Loan Amount: $2,600
  • Loan Term: 4–30 months, varies by state
  • Turnaround Time: As soon as 1–2 days
  • Must have an active checking account, regular source of income and email address.

    What are the laws in South Carolina that apply to payday loans in Columbia?

    Whether the lender is located in the state or online, it will have to abide by the laws in South Carolina under the code §§ 34-39-110 et seq. This means you can only borrow up to $550. Loan terms are limited to 31 days or less, and lenders are allowed to charge a financing fee of 15%.

    You can read about all of South Carolina’s laws here

    Here are some payday lenders you can compare

    Be sure to check the website of your lender to confirm it operates in South Carolina.

    Rates last updated March 20th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    ACE Cash Express Short-term Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    Costs of a payday loan in South Carolina

    If you’re a resident of Columbia, what you’ll have to pay is based off of South Carolina’s laws. The state caps the financing fee at 15%. This means you’ll pay back $115 when you borrow $100. If you borrow the maximum of $550, you’ll need to pay back $632.50. Some lenders may not charge you the maximum financing fee, but it’s best to be prepared when you’re determing how much you want to borrow.

    Always read your loan contract over carefully. Lenders are required to tell you exactly how much you’ll end up paying, so work this into your budget.

    3 benefits of taking out a payday loan

    • Use the money however you need. As long as you use your loan for a legitimate purpose, you can borrow a loan for whatever you need. From a busted pipe to a car repair to a vet bill, a payday lover can cover all your unexpected expenses.
    • Various options. Given the number of payday lender stores in Columbia, there’s a good chance you’ll find one near your home or work. On top of that, you have the ability to compare online lenders if you don’t have time to visit a storefront.
    • Quick and easy process. You can complete a typical payday loan application within a few minutes. All stores will have someone available to help you through the process, and most online lenders have a live chat you can use if you get stuck during the application.

    Stephanie's dog needed a costly surgery

    Imagine this scenario: Stephanie’s dog needed surgery. Although Stephanie had a regular job, she still needed a little extra money to afford the cost of the vet bill. She decided to apply for a payday loan because she knew her low credit score would prevent her from being approved for a personal loan or credit card.

    Her local online payday lender took her income and employment into consideration and approved her application for a $300 loan. The loan contract clearly stated that the lender would charge 15% of the advanced amount in loan fees, so Stephanie had to make sure $345 would be available on the loan due date in three weeks.

    She took on an extra shift at her work every week to make sure she had enough money, and by the end of the loan period, Stephanie was able to pay off her loan without incurring any extra fees.

    How you can apply for a payday loan in Columbia, SC

    You’ll need to be at least 18 years old, have a regular source of income and be a citizen or permanent resident of the US. Provided you meet these qualifications, you can apply to any of the lenders listed on our comparison table or on the map below.

    When you do, you’ll need to fill out the application with your name, date of birth, Social Security number and any other personal details the lender asks for. This is to confirm your identity and make sure you’re able to pay back the loan. Many lenders often require you fill out information about your employment and income as well so they can be sure you won’t be taking out a loan you can’t afford.

    If you’re applying online, you may also need to give the lender access to your bank account so it can deposit your loan funds and debit the payment when it’s due.

    If you aren’t approved for a loan, why not consider some alternatives?

    Payday loan locations in Columbia, South Carolina

    Here’s where you can shop for a payday loan in Columbia

    • Check into Cash. Two Notch Road and Broad River Road
    • Carolina Payday Loans, Inc. Two Notch Road, Sunset Boulevard and Knox Abbott Drive
    • Advance America. Notch Road, Decker Boulevard and Garners Ferry Road
    • ACE Cash Express. Broad River Road and Knox Abbott Drive
    • Check Loans. Bush River Road
    • Check ‘n Go. Two Notch Road
    • Quik Cash. Decker Boulevard
    • Always Money. Garners Ferry Road

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    US Payday Loans Offers

    Important Information*
    CashNetUSA Loan

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

    Check into Cash Payday Loan

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

    OppLoans Installment Loans

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

    LendYou Short-term Loans

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

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