In South Carolina and need quick cash? MaybeLoan can help you find payday loans online from legit lenders who don’t care about bad credit.
Find the best payday loan options in South Carolina with MaybeLoan. Our platform connects you with a network of licensed lenders, ensuring competitive rates and terms. Apply online today and get matched with the right lender for your needs.
We don’t issue loans — we help you compare. Compare real lenders in South Carolina (SC) with full transparency.
South Carolina Loan Rules: APR, Terms, and Limits
The South Carolina DFPI (or state regulator) defines clear boundaries — and we list them below.
Here's what fees you can expect when obtaining online payday loans in South Carolina:
| Payday lending status in South Carolina: | Legal |
|---|---|
| Maximum loan amount of a payday loan in South Carolina: | $550 |
| Maximum Interest Rate (APR): | No statutory cap |
| Minimum payday loans term in South Carolina (SC): | 14 days |
| Maximum loan term: | 31 days |
| Number of rollovers allowed: | Not allowed (34-39-180) |
| Number of outstanding loans allowed: | One at a time |
| Cooling-off period: | 3 days |
| Finance charges: | 15% of principal amount (34-39-180(E)) |
| Criminal action: | Prohibited |
| State Regulator: | South Carolina Department of Consumer Affairs |
Table Data Updated: September 2026.
Above you can see what fees you can expect when obtaining online payday loans in South Carolina.
Payday Loans from Direct Lenders
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Payday Loans & Cash Advance In South Carolina Near Me From Direct Lenders
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- No hard inquiry
- Only verified SC lenders
- Quick responses from lenders
- Fully transparent process
- Online and offline options
Steps to Get a Payday Loan in South Carolina
- Apply online in 5 minutes
- Receive offers fast
- 100% online
- Visit a payday loan store
- across South Carolina
- All lenders follow SC law
Eligibility Requirements to Get a Loan in SC
- Eighteen years of age or older
- U.S. citizen or legal resident
- Legal identification
- Regular income source
- Bank account in your name
Common Financial Needs in South Carolina
- Short-term healthcare expenses
- Car repairs
- Keeping the lights on at home
- Groceries and essentials
- Paying for kids’ needs
- Gas money
- Getting back online fast
- Bridging a payment gap
- Small business expenses
- Filling short-term cash gaps
Every loan has a cost. Make sure this is the right choice for your situation — and that you have a plan to repay it on time.
Why Do People in South Carolina Choose Payday Loans?
- Working parents
- Self-employed professionals
- Students or young adults
- Retirees with tight budgets
- People hit by surprise bills
Why People Trust MaybeLoan
- Helping you decide, not selling you debt
- No traps or hidden fees
- Only licensed lenders
- We only send your info to licensed partners
- Mission before money
In-Store Payday Loans in South Carolina
How Storefront Lenders Work
- Physical presence needed
- Discuss loan in person
- Printed forms required
- Instant payout possible
- Build local trust
Things to Consider
- Limited working hours
- Takes more time
- Less private
Other Ways to Get Cash in South Carolina
Before applying for a short-term loan, consider these alternatives.
- Community credit unions or installment loans
- Employer salary advances
- Government relief programs
- Borrowing from friends or family
Always weigh your options before committing to short-term borrowing.
Apply Today — It’s Quick and Free
MaybeLoan — Your loan partner in South Carolina.
Example Cost of a Payday Loan in South Carolina
Example cost for a 14-day or 31-day loan. Actual rates, fees, approval, and repayment terms vary by lender, state, and applicant.
| Loan Amount | Fee* | Total Due | APR for 14-day loan | APR for 31-day loan |
|---|---|---|---|---|
| $100 | $15.00 | $115.00 | 391.07% | 176.61% |
| $200 | $30.00 | $230.00 | 391.07% | 176.61% |
| $300 | $45.00 | $345.00 | 391.07% | 176.61% |
| $400 | $60.00 | $460.00 | 391.07% | 176.61% |
| $500 | $75.00 | $575.00 | 391.07% | 176.61% |
- APR is calculated using the fee and loan term: fee ÷ amount × (365 ÷ days) × 100.
- This is an example based on South Carolina's maximum legal fee - it is not a guaranteed offer.
- Actual terms, approval, and final APR are determined by the lender.
- Legal fee data last verified: September 2026.
Frequently Asked Questions About Payday Loans in South Carolina
