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Richland County, South Carolina (SC)

Payday & Title Loans in Columbia, SC

16 lenders in Columbia, SC · 16 list hours · 8 open Saturday · 16 verified in the last 30 days · + 10 reported, not yet verified

Looking for a payday or title loan near you in Columbia, South Carolina? We list 16 lender locations in Columbia with addresses, phone numbers, opening hours and, where South Carolina publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

Other lenders reported in Columbia

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Found in OpenStreetMap (seen Oct 15, 2026). Not yet matched to a state license or the brand's own store list.

Columbia lenders at a glance

Columbia, in Richland County (population 144,788), has 16 lender locations in our directory: 9 installment lenders, 7 title loan stores and 2 payday loan stores (some stores offer more than one type), across 8 ZIP codes. The chains with the most stores here are TitleMax (7), World Finance (3) and Check 'n Go (2). Of the 16 stores that publish hours, 8 open on Saturday and 0 on Sunday. The nearest other city with lenders is West Columbia, about 12 miles away, with 5 locations.

Stores by loan type
Payday loans 2
Title loans 7
Installment loans 9
County
Richland County
ZIP codes with stores
29203, 29204, 29205, 29209, 29210, 29212, 29223, 29229
Hours (16 stores list them)
Open Saturday: 8
Open until 7 pm or later on weekdays: 7

Typical cost in South Carolina

  • The total a payday lender advances to a customer at one time cannot exceed $550, not counting the fee. Source: S.C. Code Ann. § 34-39-180(B)
  • The fee on a deferred presentment transaction can be at most 15 percent of the principal amount, charged once per written agreement. Source: S.C. Code Ann. § 34-39-180(E)
  • Restricted lenders (Title 34 ch. 29) make loans of $7,500 or less and need a Board license to charge more than the general usury rate. Source: S.C. Code Ann. § 34-29-20(a)

Rules for lenders in Columbia

Columbia has no local payday or title loan ordinance in our records, so South Carolina state law applies.

  • The total a payday lender advances to a customer at one time cannot exceed $550, not counting the fee. Source: S.C. Code Ann. § 34-39-180(B) · verified Oct 8, 2026
  • The fee on a deferred presentment transaction can be at most 15 percent of the principal amount, charged once per written agreement. Source: S.C. Code Ann. § 34-39-180(E) · verified Oct 8, 2026
  • A licensee can defer presenting a check for up to 31 days. Source: S.C. Code Ann. § 34-39-180(A) · verified Oct 8, 2026
  • A licensee cannot make a new deferred presentment transaction to a person who has one outstanding. Source: S.C. Code Ann. § 34-39-270(A)(1) · verified Oct 8, 2026

All rules: South Carolina lending rules.

Questions people ask

How many installment lenders are in Columbia, SC?

We list 9 installment lenders, 7 title loan stores and 2 payday loan stores in Columbia, checked against their sources as of October 8, 2026.

Are payday loans legal in South Carolina?

Yes. Payday lenders operate in South Carolina under state rules. For example: The total a payday lender advances to a customer at one time cannot exceed $550, not counting the fee (S.C. Code Ann. § 34-39-180(B)).

Which lenders have the most stores in Columbia?

TitleMax (7 stores), World Finance (3 stores) and Check 'n Go (2 stores).

Are any lenders in Columbia open on weekends?

Of the 16 stores that publish hours, 8 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. TitleMax store locator (SC) · 7 locations Last verified Oct 15, 2026
  2. OpenStreetMap (Overpass API), SC · 4 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. World Finance locations (SC) · 3 locations Last verified Oct 15, 2026
  4. Check 'n Go locations (SC) · 2 locations Last verified Oct 15, 2026
  5. Republic Finance locations (SC) · 2 locations Last verified Oct 15, 2026
  6. OneMain Financial branches (SC) · 2 locations Last verified Oct 15, 2026
  7. S.C. Code Ann. § 34-39-180(B), S.C. Code Ann. § 34-39-180(E), S.C. Code Ann. § 34-39-180(A), S.C. Code Ann. § 34-39-270(A)(1), S.C. Code Ann. § 34-39-180(F), S.C. Code Ann. § 34-39-280(C), S.C. Code Ann. § 34-39-280(A), S.C. Code Ann. § 34-39-270(B), S.C. Code Ann. § 34-39-130(A), S.C. Code Ann. § 34-39-175(A) · Payday loans (deferred presentment), Statewide loan database Last verified Oct 8, 2026 · high confidence
  8. S.C. Code Ann. § 34-29-20(a), S.C. Code Ann. § 34-29-140(a)(2), S.C. Code Ann. § 34-29-140(a) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  9. S.C. Code Ann. § 37-3-502 · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  10. S.C. Code Ann. § 40-39-110, S.C. Code Ann. § 40-39-20(A), S.C. Code Ann. § 40-39-100(A)(1), S.C. Code Ann. § 40-39-100(A)(2), S.C. Code Ann. § 40-39-100(A)(3), S.C. Code Ann. § 40-39-100(A)(4), S.C. Code Ann. § 40-39-100(C) · Pawn loans Last verified Oct 8, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.