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South Carolina Payday Loans and Lenders

There’s good news for people of South Carolina; if you are strapped for cash and payday is still a week or so away, we can help you. Here at Payday Today, we specialize in offering our customers quick and easy payday loans. Our application process only takes a few minutes, and the funds will be waiting to cushion all the checks you wrote from bouncing. It’s easy to apply. Go ahead, give us a try.

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Alternatives for South Carolina Payday Lending

If you need a long term solution to your financial situation, look into our credit cards, personal loans, debt consolidation, and credit counseling programs.

South Carolina Payday Lending Laws

The laws regulating payday lending in South Carolina are fairly similar to such laws in other states. The maximum loan term is thirty one days, and the maximum loan amount is $300. Lenders may charge interest at 15% per check, or $17.65 per every $100 loaned. These figures create an APR of 459%, which is a bit high, even for a payday loan.

The payday lending industry in South Carolina has had an important impact on its sister state, North Carolina. Payday Loans are not legal in North Carolina, but many businesses have set up multiple locations along the Carolina border. This allows North Carolinians to cross the border and get a loan that is not legal in their own state.

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Number of South Carolina Payday Lenders

South Carolina is ranked as the 9th state in a survey examining the amount of payday lenders per state. When this study was done, there were 902 payday lending locations in the state. Considering the exponential rate at which the industry is growing, it is reasonable to assume that there are many more locations in the state today.

South Carolina Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate in South Carolina in January 2006 was 6.6, which means that there were 136,712 unemployed people in South Carolina at the time. In January 2005, the unemployment rate was 7.3. Over the past ten years, the unemployment rate in South Carolina has wavered between 2.8 and 7.5.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.


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