Payday Loans in Long Creek, South Carolina

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

Company nameAddressZip codePhone number
Check n Go 2686 Church St C, Conway, SC 29526 +1 (843) 438 - 1452
1st Franklin Financial 2012 Cherry Rd #102, Rock Hill, SC 29732 +1 (803) 327 - 0070
CPM Federal Credit Union - Beaufort 3481 Trask Pkwy, Beaufort, SC 29906 +1 (800) 255 - 1513
1st Franklin Financial 2086 Bells Hwy, Walterboro, SC 29488 +1 (843) 538 - 5660
Check Into Cash 1450 W. O. Ezell Boulevard Ste 640, Spartanburg, SC 29301 +1 (864) 587 - 9960
Community Credit 1301 N Murray Ave, Anderson, SC 29625 +1 (864) 305 - 4600
Southern Finance 1173 N Fraser St, Georgetown, SC 29440 +1 (843) 546 - 0183
First Choice Cash Advance - Sumter 1121 Broad St, Sumter, SC 29150 +1 (803) 418 - 5356
TitleMax Title Secured Loans 6793 Calhoun Memorial Pkwy, Easley, SC 29640 +1 (864) 855 - 9882
AmeriCash Loans 3280 N Pleasantburg Dr B, Greenville, SC 29609 +1 (864) 241 - 3550

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Long Creek, SC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Goose Creek, SC, No Credit Check Loans in Greenville, SC, Payday Loans in Hilton Head Island, SC, Bad Credit Loans in Mount Pleasant, SC, Same Day Loans in Myrtle Beach, SC, Emergency Loan in North Charleston, SC, Payday Loan Companies in Rock Hill, SC and Payday Loans in Spartanburg, 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 Long Creek, SC.

Are Payday Loans Legal In Long Creek, 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

Long Creek, SC payday loan calculator

In Long Creek, South Carolina, payday lending is a legal business. Payday loans are commonly taken out by individuals who need to make ends meet between paychecks or while awaiting a windfall or planned payment. These short-term loans are known for charging high-interest rates and fees that can leave borrowers in a worse financial situation and with more debt than they started with. In this article, we will explore payday loans in Long Creek, South Carolina and the associated risks, benefits, laws, and regulations.

How Payday Loans Work in Long Creek, South Carolina

A payday loan is a small-dollar loan that usually comes due on the borrower’s next payday. In Long Creek, South Carolina, a payday loan generally can’t be more than $550 and can have a term of up to 31 days. Borrowers are typically required to provide proof of income, such as a pay stub, and a checking account as collateral for the loan. The loan amount and any fees are then deducted from the borrower’s next paycheck.

The fees associated with payday loans can vary by lender, but in South Carolina, there are limits on the amount that can be charged. Lenders can’t charge more than 15% of the loan amount in fees, and the interest rate can’t exceed 390% of the loan amount. For example, if a borrower takes out a $100 loan, they can be charged up to $15 in fees and up to 390% in interest over the course of the loan.

The Risks and Benefits of Payday Loans

While payday loans can provide quick access to funds when needed, they also come with significant risks. One major risk associated with payday loans is the high-interest rates and fees that can trap borrowers in a cycle of debt. Many borrowers are unable to repay the loan on time and end up renewing the loan multiple times, racking up more fees and interest charges each time.

Another risk associated with payday loans is the potential for predatory lending practices. Some lenders may not fully disclose the terms and fees of the loan, or may pressure borrowers into taking out larger loans than they can afford to repay. Additionally, payday lenders may require access to the borrower’s bank account as a requirement of the loan, which can leave the borrower vulnerable to overdraft fees and other charges if the withdrawal causes the account to become overdrawn.

Despite the risks, payday loans can be a viable option for borrowers who have no other means of obtaining quick cash. Payday loans have a simple application process and are often approved quickly. Additionally, payday loans don’t require a credit check, which means borrowers with less-than-perfect credit can still qualify.

Laws and Regulations for Payday Loans in South Carolina

In South Carolina, there are laws and regulations that govern payday lending to protect borrowers from predatory lending practices. These regulations include caps on fees and interest rates, requirements for lenders to disclose all loan terms and fees, and limits on the number of loans borrowers can take out at one time.

It’s important for borrowers to understand their rights and protections under the law before taking out a payday loan. Borrowers should shop around for the best rates and terms and should only borrow what they can afford to repay.

Interesting Facts and Statistics about Payday Loans in Long Creek, South Carolina

  • The average payday loan amount in South Carolina is $568.71.
  • The average payday loan interest rate in South Carolina is 391%.
  • South Carolina has the eighth-highest average payday loan interest rate in the United States.
  • The number of payday lending storefronts in South Carolina has decreased by almost 50% since 2014.

Applying for a Payday Loan in Long Creek, South Carolina

Applying for a payday loan in Long Creek, South Carolina is a simple process. The easiest way to apply is through an online application process. TheGuaranteedLoans is a connector service that can help borrowers connect with potential lenders. We work to provide our clients with access to lenders who may be able to provide them with the loan they need. It’s important to remember that TheGuaranteedLoans is not a direct lender and does not make decisions related to loan approvals.

Apply Now on TheGuaranteedLoans

If you’re in need of a payday loan in Long Creek, South Carolina, TheGuaranteedLoans can help connect you with lenders who may be able to provide the funds you need. Visit our website to fill out an online application and get started today.

Remember to only borrow what you can afford to repay and to understand the terms and fees associated with your loan. With the right information and a responsible borrowing approach, payday loans can be a useful tool for managing short-term financial needs.

F.A.Q.

Can I get a payday loan in Long Creek, South Carolina?

Yes, payday loans are available in Long Creek, South Carolina.

What are the requirements for obtaining a payday loan in Long Creek, South Carolina?

To obtain a payday loan in Long Creek, South Carolina, you must be at least 18 years old and have a valid government-issued ID, proof of income, and an active checking account.