Payday Loans in Richland, South Carolina

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

Company nameAddressZip codePhone number
Lugoff Loan Company, LLC 714 US-1, Lugoff, SC 29078 +1 (803) 438 - 5363
World Finance 3203 SC-9, Little River, SC 29566 +1 (843) 663 - 3390
Auto Money Title Loans 889 N Main St, Clover, SC 29710 +1 (803) 222 - 7411
U.S. Money Shops Title Loans 919 E Main St, Laurens, SC 29360 +1 (864) 683 - 5094
First Reliance Bank 801 N Lake Dr, Lexington, SC 29072 +1 (803) 996 - 4900
BB&T 401 Robertson Blvd, Walterboro, SC 29488 +1 (843) 549 - 1806
E Z Check Cashing 2205 Decker Blvd A, Columbia, SC 29206 +1 (803) 782 - 8898
Local Finance of Union 408 N Duncan Bypass, Union, SC 29379 +1 (864) 427 - 1255
Delta Loans 633 S Georgetown Hwy, Johnsonville, SC 29555 +1 (843) 386 - 9196
TitleMax Title Secured Loans 1020 By Pass, 123, Seneca, SC 29678 +1 (864) 973 - 6217

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Richland, SC, you can try to find different companies in big cities near by. Check out the following pages here: Guaranteed Loans in Summerville, SC, Emergency Loan in Sumter, SC, Payday Loan Without a Credit Check in Aiken, SC, Payday Loan Without a Credit Check in Charleston, SC, Payday Loans in Columbia, SC, Emergency Loan in Florence, SC, Payday Loans in Goose Creek, SC and Emergency Loan in Greenville, 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 Richland, SC.

Beautiful sights of Richland, SC

Are Payday Loans Legal In Richland, 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

Richland, SC payday loan calculator

Payday Loans in Richland, South Carolina

Dealing with unforeseen expenses can be a challenge. This is especially true when you don’t have enough savings to cover these expenses. In such cases, a payday loan can be a viable option to consider. If you are a resident of Richland, South Carolina, and you consider taking out a payday loan, read on for a comprehensive guide to these loans in Richland, South Carolina.

What are Payday Loans?

Payday loans are short-term loans that are designed to help individuals bridge financial gaps between paychecks. The loans are usually unsecured and range from $100 to $550 in most states. When the loan is due, usually within two to four week, the borrower repays the loan amount and any fees charged by the lender.

Limitations in South Carolina

In South Carolina, payday loans are legal and lenders are required to follow certain lending laws. As at the time of writing this article, the state has not imposed a limit on the amount of interest that payday lenders can charge their customers.

A borrower is allowed to take out a single payday loan at any given time, which implies that a borrower is not allowed to take out another loan to repay a previous loan. The state also requires lenders to provide borrowers with a repayment plan with zero interest if they fail to pay their loan on time.

Apply Now

If you live in Richland, South Carolina, and are considering a payday loan, you can apply for one on our website, TheGuaranteedLoans. Please note that TheGuaranteedLoans is not a lender, but rather a service that connects borrowers with potential lenders and loan providers. Our online application process is quick, easy and your personal information is always kept safe and secure.

Eligibility Requirements

To be eligible for a payday loan in South Carolina, you have to meet the various requirements set by the state and the lender. These requirements include:

  • Age: You must be 18 years or older
  • Proof of Income: You must have a steady source of income, which may include employment income, benefits, or pension.
  • Identification: You must provide a government-issued ID or a driver’s license.
  • Bank Account: You must have an active checking account
  • Residency: You must reside in South Carolina

The Application Process

One of the reasons why payday loans are popular among borrowers is the ease and simplicity of the application process. To apply for a payday loan in Richland, South Carolina, you will need to complete an online application, which takes no more than 5 minutes. You will be required to provide information such as your name, contact details, employment information, and banking details. Once your application has been approved, you will receive the funds within a day.

Interest Rates and Fees for Payday Loans in South Carolina

As we mentioned earlier, South Carolina does not impose a limit on the interest rate for payday loans. Therefore, rates will vary between lenders. You must check the interest rates of various lenders before applying for a loan. Typically, payday loans charge fees ranging from $15 to $30 per $100 borrowed.

It is crucial to understand the fees and interest rate charged by a lender before agreeing to a loan. Be sure to read all the fine print and ask questions before signing any contract.

Conclusion

Payday loans can be a lifesaver during emergencies. However, before you consider taking out a payday loan in Richland, South Carolina, do your research. Go for reputable lenders and ensure that you understand the terms and conditions of the loan. This way, you will be able to make wise financial decisions.

Interesting Facts and Statistics about Payday Loans in Richland, South Carolina

  • In South Carolina, over 687,000 payday loans were taken out, totalling over $238 million, as of 2018.
  • The average payday loan borrower in South Carolina takes out around 10 payday loans each year.
  • The average interest rate charged by payday lenders in the state is 391 percent. However, this rate can increase if the loan is rolled over or extended.
  • In South Carolina, the majority of payday loan borrowers earn less than $25,000 annually.

Apply Now

Are you in need of a payday loan in Richland, South Carolina? Apply now on TheGuaranteedLoans, and we will connect you with a reputable lender in your area. Remember, we are not lenders but a connector service that will help you to get a loan quickly, safely and securely.

F.A.Q.

Can I extend my payday loan in Richland, South Carolina?

Yes, it is possible to extend a payday loan in Richland, South Carolina, but this will depend on the lender and their specific policies.

Is it safe to take out a payday loan in Richland, South Carolina?

Yes, payday loans are regulated by the South Carolina State Board of Financial Institutions, which ensures that lenders operate in a safe and fair manner.