Payday Loans in Luray, South Carolina

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

Company nameAddressZip codePhone number
Carolina Payday Loans, Inc. 416 E Martintown Rd a, North Augusta, SC 29841 +1 (803) 442 - 9908
Sunset Finance LLC 902 ByPass 123 a, Seneca, SC 29678 +1 (864) 888 - 3010
TitleMax Title Loans 3103 Wade Hampton Blvd, Taylors, SC 29687 +1 (864) 244 - 2368
Regional Finance 1544 W Floyd Baker Blvd, Gaffney, SC 29341 +1 (864) 487 - 0231
Founders Federal Credit Union 1307 Boiling Springs Rd, Spartanburg, SC 29303 +1 (800) 845 - 1614
First Choice Cash Advance 705 Bultman Dr, Sumter, SC 29150 +1 (803) 418 - 5356
Eastern Financial Services Inc 217 Robertson Blvd, Walterboro, SC 29488 +1 (843) 549 - 6353
Advance America Cash Advance 98 Seminole Ave, Clearwater, SC 29842
Credit Central 117 Rivertown Blvd, Conway, SC 29526 +1 (843) 365 - 9080
Cash Well Consumer Loans 2567 Whiskey Rd, Aiken, SC 29803 +1 (803) 642 - 7805

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Luray, SC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Columbia, SC, Payday Loans in Florence, SC, Bad Credit Loans in Goose Creek, SC, Payday Loans in Greenville, SC, Payday Loans in Hilton Head Island, SC, Payday Loan for Mount Pleasant, SC, Payday Loans in Myrtle Beach, SC and No Credit Check Loans in North 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 Luray, SC.

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

29932

Are Payday Loans Legal In Luray, 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

Luray, SC payday loan calculator

Understanding Payday Loans in Luray, South Carolina

Residents in South Carolina can obtain payday loans for short-term cash needs. Payday loans are small-dollar loans, offering a quick solution to financial emergencies. This article provides an in-depth review of payday loans in Luray, South Carolina.

How Payday Loans Work:

Payday loans function differently from traditional loans. Generally, payday loans require a borrower to write a postdated check or provide the lender with access to their checking account information. The lender will deposit the loaned amount into the borrower’s checking account.

The borrower must repay the loan, in addition to any fees or interest charged, when the next paycheck arrives. Payday loans are helpful to people experiencing financial hardships, as they are available without credit checks or collateral. In Luray, South Carolina, payday loans are legal and readily accessible.

Interest Rates and Fees:

Payday loans are known to have high-interest rates because they are meant for short term use only. To prevent abuse, South Carolina regulates payday loan rates. The laws limit interest rates on payday loans to 15% of the loan amount. Therefore, for a $100 payday loan, you will pay back $115.

Defaulting on a payday loan incurs additional fees and interest, which could result in long-term financial difficulty. You can negotiate with lenders for an extension if you experience difficulties repaying the loan. Lenders will require you to pay additional fees and extend the duration of the loan.

Benefits of Payday Loans:

  • If you have no other options during an emergency, payday loans are the perfect solution.
  • Payday loans do not require collateral.
  • You do not need to have a good credit score to obtain a payday loan.
  • Payday loans are easy to obtain, as the application process is quick and straightforward.

Interesting Facts and Statistics:

  • The total number of payday loans approved in South Carolina in 2020 was approximately 700,000, with a total value of over $1.5 billion.
  • 85% of South Carolina payday loan borrowers take out multiple payday loans in a year.
  • The average South Carolina payday loan borrower takes out eight loans annually, averaging $400 each.

Apply Now!:

TheGuaranteedLoans is a matching service for payday loans. As a matching service, we connect you with potential lenders. We are not a direct lender; therefore, we do not provide loans. Our website offers an online application form, which takes a few minutes to complete. Once submitted, we will connect you with lenders who can provide you with a payday loan that suits your needs.

Do not hesitate to fill out our online application form if you are in need of a payday loan in Luray, South Carolina. Our fund transfer system ensures that you receive your loan promptly once approved. We make our clients’ needs our priority.

Conclusion:

Payday loans are short-term loans meant to provide a temporary financial solution. They are easy to obtain, with minimal requirements. To evade the high-interest rates and fees associated with payday loans, ensure you borrow responsibly and negotiate with lenders for extensions if required. You can seek short-term loans through TheGuaranteedLoans platform for a fast and reliable solution.

F.A.Q.

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

No, rollovers are not allowed in Luray, 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 Luray, 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.