Payday Loans in Townville, South Carolina

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

Company nameAddressZip codePhone number
World Finance 4800 Wade Hampton Blvd Suite D, Taylors, SC 29687 +1 (864) 874 - 7012
Approved Cash 404 E Martintown Rd Suite 3, North Augusta, SC 29841 +1 (803) 279 - 1975
The Peoples Bank 801 E Front St, Iva, SC 29655 +1 (864) 348 - 6181
Always Money 1640 Springdale Dr Unit C, Camden, SC 29020
Palmetto Cash Express 2081 Wedgefield Rd, Sumter, SC 29154 +1 (803) 778 - 1500
Lendmark Financial Services 2549 Whiskey Rd, Aiken, SC 29803 +1 (803) 641 - 0559
MoneyGram 16923 Whyte Hardee Blvd 101, Hardeeville, SC 29927 +1 (843) 784 - 5884
TD Bank 1390 Highway 17 N, Little River, SC 29566 +1 (843) 249 - 7994
AgSouth Farm Credit 4930 Burtons Ferry Hwy, Allendale, SC 29810 +1 (803) 584 - 3406
Quick Credit 1606 Richland Ave W, Aiken, SC 29801 +1 (803) 643 - 0106

Payday Loan Companies in Nearby Cities

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

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

29689

Are Payday Loans Legal In Townville, 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

Townville, SC payday loan calculator

Payday Loans in Townville, South Carolina: What You Need to Know

Payday loans are a convenient way to get cash quickly when you need it. For residents of Townville, South Carolina, these loans are a valuable financial resource, especially when unexpected expenses arise. But, before you apply for a payday loan, it’s important to understand the regulations governing them in your state.

Payday Loans are Legal in South Carolina

In South Carolina, payday loans are regulated by the South Carolina Department of Consumer Affairs (SCDCA). This means that payday lending is legal in South Carolina, but there are specific regulations in place to protect borrowers.

According to the SCDCA, payday lenders must meet several requirements, including:

  • Registering with the SCDCA to obtain a license
  • Disclosing all fees and charges associated with the loan
  • Following guidelines to ensure that borrowers can repay their loan
  • Limiting the amount of money that can be borrowed based on income

How do Payday Loans Work?

Payday loans are short-term loans that are typically due on your next payday. They are intended to help you cover unexpected expenses or bridge the gap between paychecks. To apply for a payday loan in Townville, you must provide proof of income, a valid ID, and a checking account.

The amount you can borrow will vary depending on your income, but typically ranges from $100 to $500. The loan is due on your next payday, and you will be required to pay back the entire loan amount, along with any fees and interest charges.

Interest Rates and Fees

Payday loans in South Carolina are subject to an interest rate cap of 15% for the first $100 borrowed, 14% for the second $100, 13% for the third $100, 12% for the fourth $100, and 11% for the fifth and sixth $100. In addition to interest charges, payday lenders in South Carolina may charge a finance fee of up to 15% of the loan amount.

It’s important to carefully review all fees and charges before accepting a loan, as they can add up quickly and make it more difficult to repay the loan on time. If you cannot repay the loan on the due date, you may be subject to additional fees and charges, and the lender may report your non-payment to credit bureaus, which can negatively impact your credit score.

Interesting Facts and Statistics

  • In South Carolina, the average payday loan is $485, and the average borrower takes out eight loans per year.
  • According to research by the Pew Charitable Trusts, 12 million Americans use payday loans each year, and the average borrower takes out eight loans per year.
  • Payday lending is a $9 billion industry in the United States.
  • South Carolina is one of 32 states that allow payday lending.

Apply Now

If you need a payday loan in Townville, South Carolina, TheGuaranteedLoans can help connect you with potential lenders. Our easy online application process ensures that you can quickly and easily apply for a loan from the comfort of your own home.

It’s important to remember that TheGuaranteedLoans is not a direct lender. We are a loan connector service that works with a network of trusted lenders to help our customers find the best loan for their needs. If you have any questions about our service, please don’t hesitate to contact us.

Conclusion

Payday loans are a valuable financial resource for many residents of Townville, South Carolina. They can provide much-needed cash to cover unexpected expenses or bridge the gap between paychecks.

However, it’s important to carefully review all the terms and conditions before accepting a loan and to ensure that you can repay the loan on time. By following the guidelines and regulations set forth by the SCDCA, payday lenders in South Carolina can help borrowers get the financial assistance they need while also protecting their interests.

F.A.Q.

Are there any limitations on the amount I can borrow with a payday loan in Townville, South Carolina?

Yes, the maximum amount that can be borrowed with a payday loan in Townville, South Carolina is $550.

Do I need to have good credit to get a payday loan in Townville, South Carolina?

No, payday loans are designed for people with poor credit and do not require a credit check.