Online Payday Loans in South Carolina

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Payday Loans in South Carolina

There are times we are all a little short of cash, especially when an emergency expense comes up, such as an unexpected car problem or medical bill. So if you have bills that need to be paid, but you're a little short on cash, you don't have to worry because South Carolina residents have access to payday loans.

Whether you live in Greenville, Columbia, Charleston, or the Up Country, you can get a South Carolina payday loan and make that emergency payment. Even if your credit isn’t good, more than 80% of you will qualify for a Carolina payday loan or fast cash.

Payday Loan Regulations in South Carolina

In 2009, South Carolina passed a payday loan law. Payday loans are legal in South Carolina. Per the law, finance charges cannot exceed 15% of the amount you borrow; for example, $15 on a 14-day loan of $100. A South Carolina payday loan cannot exceed $550.

The maximum time for a payday loan in South Carolina is 31 days. You (the borrower) may only get 1 payday loan at a time. If you wish to apply for another loan, you must wait at least 1 day after your current loan is repaid before applying for another loan. If you get 8 loans in one calendar year, you must wait 2 days before you can apply for another loan. All lenders must be licensed and must verify if you have any outstanding loans before accepting your request for a new one.

Lenders cannot allow rollovers or extensions. However, some lenders allow borrowers to convert to a payment plan with monthly payments. The plan has no additional costs but must include a minimum of 4 monthly payments of equal amounts.

If you accept a loan offer from a lender, you must sign a contract that clearly states the loan conditions, including rates, the date the agreement was signed, the lender's name, and any additional charges. If you default on your loan, lenders may send you to a collections agency but cannot charge you criminally.

Reasons to Get Payday Loans in South Carolina

A payday loan is a fast, easy way to get the cash you need for unexpected needs. When you work with CashinaSnap, you are using a proven, top-notch referral service that gives you the best odds of approval. And, it only takes a minute or two to complete our simple online request form and super-fast to get the results too!

You can have your cash in hand in just 1 business day.

How to Get an Online Payday Loan in South Carolina?

Well, you can drive around to individual stores and apply, but when you apply at more than one, they generally reject your application. Applying multiple times, even online, will disqualify applications. However, you can save time and gas money by simply using your smartphone or laptop and going to

Our form is short and easy to complete, even from your smartphone. Most people find it only takes 1-3 minutes. And, our response times are really fast too. No long paperwork to complete, and none of the long delays that banks and credit card companies stick you with.

You can get up to $550.00 on your loan.

Did you know that if you are faced with some NSF checks that most banks charge $35 per NSF check, no matter how small? 4 NSF checks can cost you $140. If you are very late on a utility bill, they charge a late fee, restart fee, new deposit fee, and so on in most cases. It can add up to hundreds of dollars. Avoid all of this; get the cash you need fast. Always make sure you can repay any loan you receive on time.

How the Loan Process Works?

When you apply for payday loans through CashinaSnap, the process is 100% secure and confidential. We use encrypted technology before sending your loan request to our lending partners.

We pride ourselves on our short, simple loan request form, and process. Most people are approved if they meet these basic requirements:

  • Have an active bank checking account
  • Are a permanent resident or citizen of the U.S
  • Are 18 years of age or older
  • Have a form of steady income (job, social security, etc.). It is best if you have been in your job for at least 3 months
  • Have a valid email address and phone number

Connections Between Payday Loans and Credit Scores

You may not know this, but lenders do not report payday loans to credit bureaus. This means South Carolina payday loans online will not show on your credit history. If you receive a South Carolina payday loan and pay it on time, it may actually help you to start rebuilding your credit scores.

You don’t need a good credit score to be approved for a payday loan. Payday loans in South Carolina are designed to help those with a poor credit score or a lack of credit history. Lenders are most concerned with your ability to repay the loan, and that is why having a steady income is so important to get the approval of your loan request. Payday lenders do not run credit checks as banks do.

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