Payday Loans in Converse, South Carolina

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No payday loan companies in Converse, SC. Consider companies in other cities:

Company nameAddressZip codePhone number
Carolina Title Loans, Inc. 644 Magnolia St, Spartanburg, SC 29303 +1 (864) 573 - 0025
Commercial Bank 4 Church St, Honea Path, SC 29654 +1 (864) 369 - 7326
Quick Credit Corporation 287 Silver Bluff Rd, Aiken, SC 29803 +1 (803) 643 - 0106
First Citizens Bank 105 W Church St, Cowpens, SC 29330 +1 (864) 463 - 4361
Mariner Finance 10772 Kings Rd, Myrtle Beach, SC 29572 +1 (843) 353 - 2370
World Finance 12540 Main St, Williston, SC 29853 +1 (803) 403 - 0983
Synovus Bank - ATM 129 N Washington St, Sumter, SC 29150 +1 (888) 796 - 6887
Auto Money 301 W Main St, Kingstree, SC 29556 +1 (843) 355 - 7070
E Z Check Cashing 1722 Broad River Rd I, Columbia, SC 29210 +1 (803) 772 - 0035
1st Franklin Financial 2642 Boiling Springs Rd Suite A, Boiling Springs, SC 29316 +1 (864) 814 - 2626

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Converse, SC, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Aiken, SC, Payday Loans in Charleston, SC, Online Loans in Columbia, SC, 24-Hour Loan in Florence, SC, Payday Loan Without a Credit Check in Goose Creek, SC, Payday Loan Without a Credit Check in Greenville, SC, Quick Loan in Hilton Head Island, SC and Bad Credit Loans in Mount Pleasant, SC. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Converse, SC.

Payday Loans Available in Converse, SC By The Following ZIP Codes:

29329

Are Payday Loans Legal In Converse, South Carolina?

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

South Carolina Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)391
Maximum Loan Amount$550
Minimum Loan TermNot Specified
Maximum Loan Term31 days
Number of Rollovers Allowed0
Finance Charges15% of the amount advanced

Converse, SC payday loan calculator

Everything You Need to Know About Payday Loans in Converse, South Carolina

If you’re considering a payday loan, it’s important to know the facts about the process and your options. In South Carolina, payday loans are legal, but only under certain conditions. Here’s what you need to know if you’re thinking about taking out a payday loan in Converse, South Carolina.

What is a Payday Loan?

A payday loan is a type of short-term loan that is typically repaid within two weeks to a month. These loans are designed to help individuals cover immediate expenses when they don’t have enough funds in their bank account. Payday loans are known for their high-interest rates and fees, which can make them a costly borrowing option.

How Does the Payday Loan Process Work?

To take out a payday loan, you’ll need to provide proof of income and identification. You may also need to provide references. Once you’ve been approved, you’ll receive the funds in your bank account. When it’s time for repayment, the lender will automatically deduct the loan amount plus fees and interest from your bank account.

What Are the Laws Regarding Payday Loans in South Carolina?

In South Carolina, payday loans are legal, but with strict regulations in place to protect borrowers. The maximum loan amount is $550, and loans cannot be rolled over. Moreover, lenders are required to disclose the full cost of the loan to the borrower, including fees and interest rates.

However, despite these regulations, the high-interest rates and fees of payday loans can still make them a risky borrowing option. It’s important to consider all of your options before taking out a payday loan.

What Are the Alternatives to Payday Loans in Converse, South Carolina?

If you find yourself in need of short-term funds, there are several alternatives to payday loans that may be a better fit for your financial situation. Some of these options include:

  • Personal loans: Depending on your credit score, a personal loan may offer a lower interest rate than a payday loan.
  • Credit cards: If you have a credit card, you may be able to use it to cover your expenses. However, it’s important to pay off the balance in full to avoid high interest charges.
  • Work with creditors: If your debt is causing financial stress, reach out to your creditors to see if you can negotiate a payment plan or defer payments without accruing additional interest.

These alternatives can help you avoid the high fees and interest rates of payday loans while still providing the funds you need.

Interesting Facts and Statistics

  • According to the Center for Responsible Lending, the average interest rate for a payday loan in South Carolina is 391%, which is among the highest in the country.
  • In 2018, South Carolina borrowers took out over 1 million payday loans, with an average loan amount of $454.

Apply Now

If you’ve considered all of your options and decide that a payday loan is the best fit for your financial needs, TheGuaranteedLoans can help. As a connector service, we work with a network of lenders who may be able to provide you with the funds you need. Fill out our online application today to get started, and remember to only borrow what you can afford to repay.

Remember, payday loans can be a risky borrowing option, so it’s important to consider all of your alternatives. Do your research and make an informed decision.

F.A.Q.

Can I be sued or have my wages garnished if I default on a payday loan in Converse, South Carolina?

Yes, if you default on a payday loan in Converse, South Carolina, your lender may take legal action against you. This may include suing you in court or seeking wage garnishment.

Are there any protections for military service members in Converse, South Carolina when it comes to payday loans?

Yes, military service members in Converse, South Carolina have additional protections when it comes to payday loans. Lenders are not allowed to charge more than 36% APR on loans to military service members and their dependents.