Payday Loans in Gable, South Carolina

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

Company nameAddressZip codePhone number
Lendmark Financial Services LLC 102 Dreher Rd, West Columbia, SC 29169 +1 (803) 753 - 7899
National Finance Company 511 S Main St, Bishopville, SC 29010 +1 (803) 484 - 9358
Lenders Loans 5221 SC-165, Hollywood, SC 29449 +1 (843) 889 - 3235
Americredit Loans & Taxes 441 N Duncan Bypass # G, Union, SC 29379 +1 (864) 427 - 9600
1st Franklin Financial 621 Fairview Rd G, Simpsonville, SC 29680 +1 (864) 228 - 3572
Regional Finance 1057 S 4th St, Hartsville, SC 29550 +1 (843) 383 - 9581
Credit Central 1232 Bennettsville Square, Hwy 9 E Suite C1, Bennettsville, SC 29512 +1 (843) 479 - 0702
Advance America 436-B N Duncan Bypass, Union, SC 29379 +1 (864) 427 - 4367
Regional Finance 2523 S Cashua Dr, Florence, SC 29501 +1 (843) 665 - 4752
Hartsville Financial Services Inc 535 S 5th St, Hartsville, SC 29550 +1 (843) 332 - 2999

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Gable, SC, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Myrtle Beach, SC, Payday Loans in North Charleston, SC, Bad Credit Loans in Rock Hill, SC, Guaranteed Loans in Spartanburg, SC, Payday Loans in Summerville, SC, No Credit Check Loans in Sumter, SC, Payday Loans in Aiken, SC and Short-term Loans in Charleston, 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 Gable, SC.

Are Payday Loans Legal In Gable, 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

Gable, SC payday loan calculator

Payday loans are a popular form of borrowing in South Carolina, offering consumers a way to access quick cash when they need it most. If you’re considering taking out a payday loan in Gable, South Carolina, this article will provide you with some essential information to help you make an informed decision. Remember, it’s important to understand the cost and terms of any loan before you sign on the dotted line.

What are payday loans?

Payday loans are a type of short-term loan designed to provide consumers with instant access to cash. These loans are typically due on the borrower’s next payday, hence the name. While payday loans are legal in South Carolina, they are subject to certain regulations and restrictions under state law.

It’s important to note that payday loans can be a quick and convenient way to access cash, but they come with high fees and interest rates. These loans should only be used for emergencies or unexpected expenses that cannot be covered by other means.

How do payday loans work in South Carolina?

Under South Carolina law, payday lenders are required to be licensed and regulated by the state. These lenders are prohibited from charging more than 15% in interest on the loan amount, and they may not lend more than $550 to any one borrower at a time. The loan term is typically 31 days or less, and borrowers are allowed to have up to two outstanding loans at a time.

When you take out a payday loan in South Carolina, you will typically be required to provide a post-dated check or electronic debit authorization for the full amount of the loan plus any fees and interest. If you cannot repay the loan on the due date, the lender may cash the check or initiate the electronic debit. This can lead to bank fees and further financial difficulties.

What are the fees and interest rates for payday loans in Gable, South Carolina?

The fees and interest rates for payday loans in Gable, South Carolina are subject to state regulation. Payday lenders are permitted to charge a fee of up to 15% of the loan amount, which is capped at $15 per $100 borrowed. This means that if you borrow $100, you could be charged up to $15 in fees. The annual percentage rate (APR) on a typical payday loan in South Carolina can be as high as 391%.

What are the alternatives to payday loans?

If you’re considering a payday loan in Gable, South Carolina, it’s important to explore all of your options before making a decision. Here are some alternatives to consider:

  • Credit cards: If you have a credit card, you may be able to use it to cover your expenses. Credit cards typically have lower interest rates than payday loans.
  • Personal loans: Consider taking out a personal loan from a bank or credit union. Personal loans have lower interest rates than payday loans, but they may have stricter eligibility requirements.
  • Borrow from friends or family: If possible, consider borrowing from friends or family members. This may be a more affordable option than a payday loan.

Interesting facts about payday loans in Gable, South Carolina

  • South Carolina has some of the least restrictive payday lending laws in the country.
  • According to a study by the Center for Responsible Lending, the typical payday loan borrower in South Carolina takes out 10 payday loans per year, with an average loan amount of $378.
  • In 2019, South Carolinians took out more than 687,000 payday loans, totaling over $279 million in loan volume.
  • While payday loans are legal in South Carolina, some states have banned or strictly limited their use due to the high fees and interest rates associated with these loans.

Apply now for a payday loan in Gable, South Carolina

If you’ve explored all of your options and decided that a payday loan is the right choice for you, you can apply now on TheGuaranteedLoans website. Please note that while we are not a direct lender, we are a connector service that can help you find a lender that meets your needs. We have a network of reputable lenders who are willing to provide payday loans to borrowers in Gable, South Carolina. Fill out our online application form to get started.

Remember, payday loans should only be used for emergencies or unexpected expenses. Make sure you understand the terms and fees associated with the loan before you apply, and be sure to borrow only what you need.

F.A.Q.

Can I rollover my payday loan if I cannot repay it on time in Gable, South Carolina?

No, rollovers are not allowed in Gable, South Carolina, and borrowers are required to repay their payday loans in full on the agreed-upon date.

Are there any additional fees associated with payday loans in Gable, South Carolina?

Yes, payday lenders may charge additional fees for late payments or other services. It is important to carefully read and understand the terms of the loan before signing any agreements.