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Payday Loans in South Carolina — Laws, Limits & Online Lenders

Compare licensed payday lenders in South Carolina. One application, multiple offers, no credit impact.

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2 Compare Offers
3 Get Funded

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South Carolina Payday Loan Laws at a Glance

Max Loan Amount $550
Max APR 391%
Max Term 31 days
Rollovers One rollover
Cooling-Off Period 1 business day
Governing Statute S.C. Code § 34-39

How to Get a Payday Loan in South Carolina

Getting a payday loan in South Carolina is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of South Carolina-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for South Carolina Borrowers

  • Must be 18 years or older (resident of South Carolina)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

Check Your Rate in South Carolina — No Credit Impact

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What to Know Before Borrowing in South Carolina

Under S.C. Code § 34-39, payday lenders in South Carolina may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — South Carolina may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our South Carolina and other state payday loan laws.

Payday Loans by City in South Carolina

Select your city for local payday loan information, lender options, and South Carolina regulations that apply to your area.

Columbia Charleston North Charleston Greenville Rock Hill Mount Pleasant Spartanburg Summerville Goose Creek Hilton Head Island

South Carolina Payday Loan FAQ

Are payday loans legal in South Carolina?

Yes. Payday loans are legal in South Carolina under S.C. Code § 34-39. Lenders must be licensed by the state banking regulator.

How much can I borrow in South Carolina?

The maximum payday loan amount in South Carolina is $550. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in South Carolina?

The maximum APR for payday loans in South Carolina is approximately 391%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in South Carolina?

One rollover

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