Payday Loans in Ruby, South Carolina

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

Company nameAddressZip codePhone number
SunTrust Bank 201 W Main St, Laurens, SC 29360 +1 (864) 766 - 6003
SouthState Bank 502 N Duncan Bypass, Union, SC 29379 +1 (864) 429 - 1890
Always Money 910 US-123, Seneca, SC 29678 +1 (864) 904 - 2024
Advanced 537 E Dekalb St, Camden, SC 29020 +1 (803) 432 - 6481
First Citizens Bank 701 N Longstreet St, Kingstree, SC 29556 +1 (843) 355 - 7000
First Trust Financial 121 E Dekalb St # A, Camden, SC 29020 +1 (803) 424 - 0086
Advance America 1636 State Rd, Cheraw, SC 29520 +1 (843) 537 - 7554
Local Finance of Union 408 N Duncan Bypass, Union, SC 29379 +1 (864) 427 - 1255
Quick Credit Corporation 435 E Main St 5, Spartanburg, SC 29302 +1 (864) 583 - 3656
AFC Automotive Finance Corp. 140 Webb Rd, Williamston, SC 29697 +1 (864) 226 - 2447

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ruby, SC, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Hilton Head Island, SC, Payday Loans in Mount Pleasant, SC, Payday Loans in Myrtle Beach, SC, Payday Loans in North Charleston, SC, Payday Loans in Rock Hill, SC, Payday Loan for Spartanburg, SC, Payday Loans in Summerville, SC and Guaranteed Loans in Sumter, 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 Ruby, SC.

Beautiful sights of Ruby, SC

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

29741

Are Payday Loans Legal In Ruby, 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

Ruby, SC payday loan calculator

What are Payday Loans?

Payday loans are small, short-term loans that are typically due on the borrower’s next payday. They are designed to help people who need quick cash to cover unexpected expenses, such as medical bills, car repairs, or other emergency situations.

In South Carolina, payday loans are legal, although there are restrictions on the amount of money that can be borrowed and the interest rates that lenders can charge.

Payday Loans in Ruby, South Carolina

Ruby, South Carolina is a small town of approximately 360 residents located in Chesterfield County. While there are not many payday lenders in the area, residents of Ruby can still access payday loans through the internet or by visiting lenders in nearby towns.

It is important to note that payday loans can be expensive, and borrowers should carefully consider their options before taking out a loan. In addition to high interest rates, payday loans often come with fees and penalties that can add up quickly.

The Pros and Cons of Payday Loans

  • Pros: Payday loans are easy to access, and borrowers can receive the money they need within hours of applying. They are also available to people with poor credit history, who may not be able to qualify for traditional loans.
  • Cons: Payday loans are expensive, and borrowers can end up paying more in fees and interest than they borrowed. They can also lead to a cycle of debt, where borrowers repeatedly take out loans to cover previous loans, resulting in a never-ending cycle of debt.

How to Apply for a Payday Loan

If you are considering a payday loan in Ruby, South Carolina, you can apply online or visit a lender in person. The application process is generally simple and straightforward, and you can receive a decision within minutes.

It is important to read the terms and conditions carefully before accepting a loan, and to only borrow as much as you need and can afford to repay.

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

  • South Carolina has the highest average amount of payday loan debt per borrower in the United States, at approximately $1,100.
  • The average interest rate for a payday loan in South Carolina is 391%, which is one of the highest rates in the country.
  • Approximately 70% of payday borrowers in South Carolina report using the loans for recurring expenses, such as rent or utility bills.

Apply Now

If you are in need of a payday loan in Ruby, South Carolina, TheGuaranteedLoans can help you connect with potential lenders. Simply fill out our online application form, and we will match you with lenders who may be able to help.

It is important to note that TheGuaranteedLoans is a connector service, not a direct lender. We do not make lending decisions or determine loan terms, but we work with a network of reputable lenders to help you find the best loan options for your needs.

Conclusion

Payday loans can be a useful tool for people who need quick cash to cover unexpected expenses. However, they can also be expensive and lead to a cycle of debt if not used responsibly.

If you are considering a payday loan in Ruby, South Carolina, it is important to carefully consider your options and only borrow as much as you need and can afford to repay. TheGuaranteedLoans can help you connect with potential lenders and find the right loan for your needs.

F.A.Q.

Can I get a payday loan in Ruby, South Carolina?

Yes, payday loans are available in Ruby, South Carolina.

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

To obtain a payday loan in Ruby, 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.