Payday Loans in Wallace, South Carolina

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

Company nameAddressZip codePhone number
Sunset Finance 8 E Keitt St, Manning, SC 29102 +1 (803) 435 - 9020
National Finance Company 115 S Main St, Woodruff, SC 29388 +1 (864) 476 - 8159
Check Into Cash 1519 N Kings Hwy #25, Myrtle Beach, SC 29577 +1 (843) 445 - 6914
Approved Cash 2260 Cross Pointe Dr Suite 97 Ste 97, Rock Hill, SC 29730 +1 (803) 980 - 1066
1st Franklin Financial 232 Kelley St Suite B, Lake City, SC 29560 +1 (843) 394 - 1464
First Citizens Bank 726 Front St, Georgetown, SC 29440 +1 (843) 546 - 8591
L & B check cashing 4337 Spruill Ave, Charleston, SC 29405 +1 (843) 810 - 0362
Advance America 4400 Dorchester Rd Suite 102, North Charleston, SC 29405 +1 (843) 740 - 9110
Auto Money 200 N Lafayette Dr, Sumter, SC 29150 +1 (803) 774 - 5664
Watson Finance Co Inc 328 W Stone Ave 5437, Greenville, SC 29609 +1 (864) 235 - 4550

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wallace, SC, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Aiken, SC, Payday Loans in Charleston, SC, Payday Loans in Columbia, SC, No Credit Check Loans in Florence, SC, Payday Loan Without a Credit Check in Goose Creek, SC, Payday Loans in Greenville, SC, Payday Loan for Hilton Head Island, SC and Short-term 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 Wallace, SC.

Beautiful sights of Wallace, SC

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

29596

Are Payday Loans Legal In Wallace, 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

Wallace, SC payday loan calculator

Understanding Payday Loans in Wallace, South Carolina

If you find yourself in need of quick cash to handle an emergency, unforeseen expense, or even a family vacation, you might consider a payday loan. A payday loan is a short-term, high-interest loan that is designed to be repaid with your next paycheck. In South Carolina, payday loans are legal, making them a viable option for those in need of quick cash. In this article, we’ll take a closer look at payday loans in Wallace, South Carolina, and provide you with the information you need to make an informed decision.

How Payday Loans Work

To obtain a payday loan, you must first provide a lender with your identification, proof of income, and the account information for your bank or credit union. If approved, the lender will provide you with funds that you must repay with interest on your next payday. In South Carolina, lenders can charge up to 15% of the borrowed amount in interest and fees, with a maximum loan amount of $550.

Payday loans are intended for short-term use and are not a long-term financial solution. Therefore, they should only be used when you are confident that you can repay the loan with your next paycheck. Failure to repay a payday loan on time can result in additional fees and interest charges, negatively impacting your credit score and overall financial well-being.

Benefits of Payday Loans

One of the main benefits of payday loans is their ease of access. The application process is simple, and funds can be provided quickly, often within hours of application approval. This can be beneficial in emergency situations where time is of the essence.

Payday loans can be a valuable resource to those with poor credit, as they do not require a credit check. This means that if you have a low credit score or a history of missed payments, you can still qualify for a payday loan.

Apply Now for a Payday Loan in Wallace, South Carolina

If you’re in need of quick cash, don’t hesitate to consider a payday loan. TheGuaranteedLoans can connect you with potential lenders that offer payday loans in Wallace, South Carolina. Our application process is quick and easy, and you’ll receive a decision within minutes. Please note that we are not a direct lender and only work as a connector service to match you with suitable lenders.

Interesting Facts and Statistics About Payday Loans in Wallace, South Carolina

According to a Consumer Financial Protection Bureau (CFPB) report, South Carolina has over 440 payday lenders, making it one of the highest concentrations of payday lenders in the country. The report also showed that the average payday loan in South Carolina is $391, and borrowers pay an average of $564 in fees to repay the loan.

In 2019, the South Carolina Senate passed legislation that would have capped payday loan interest rates at 36%. However, the legislation did not pass in the House of Representatives, and payday lenders in South Carolina can continue to charge high-interest rates.

The Bottom Line

Payday loans can be a valuable resource for those in need of quick cash, but they should only be used in emergency situations and when you are confident that you can repay the loan on time. If you live in Wallace, South Carolina, and are interested in a payday loan, TheGuaranteedLoans can help connect you with potential lenders. Remember to use payday loans responsibly and only when necessary.

F.A.Q.

Are there any restrictions on how many payday loans I can have at once in Wallace, South Carolina?

Yes, in Wallace, South Carolina, a borrower can only have one payday loan at a time.

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

No, rollovers are not allowed in Wallace, South Carolina, and borrowers are required to repay their payday loans in full on the agreed-upon date.