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South Carolina (SC) lender directory

Payday Loans in South Carolina

Looking for a payday loan near you in South Carolina? Pick your city below. We list 34 stores in 28 South Carolina cities, built from lenders' own store pages. Data last checked October 8, 2026.

Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer

Payday loans by city

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Payday loans in South Carolina: the rules

Payday loans (deferred presentment)

  • 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
  • A deferred presentment check cannot be repaid from the proceeds of another one from the same licensee or an affiliate, and presentment cannot be extended beyond the agreed date. Source: S.C. Code Ann. § 34-39-180(F) · verified Oct 8, 2026
  • A customer who cannot repay may elect an extended payment plan of at least four substantially equal installments, at no extra cost. Source: S.C. Code Ann. § 34-39-280(C) · verified Oct 8, 2026
  • A customer can use an extended payment plan once in any twelve month period. Source: S.C. Code Ann. § 34-39-280(A) · verified Oct 8, 2026
  • An eighth or later deferred presentment transaction in a calendar year cannot be made on the same or next business day after the previous one is repaid. Source: S.C. Code Ann. § 34-39-270(B) · verified Oct 8, 2026
  • A separate deferred presentment license is required for each location. Source: S.C. Code Ann. § 34-39-130(A) · verified Oct 8, 2026

Statewide loan database

  • The Consumer Finance Division runs a common real-time database that licensees must check before each transaction. Source: S.C. Code Ann. § 34-39-175(A) · verified Oct 8, 2026

Lenders in South Carolina are licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division. See also online lenders and apps in South Carolina.

Questions people ask

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)).

How many payday loan stores are in South Carolina?

We list 34 payday loan stores in South Carolina, in 28 cities.

Which South Carolina cities have the most payday loan stores?

Greenville (3), Charleston (2), Columbia (2), Spartanburg (2) and Summerville (2).

How much can lenders charge in South Carolina?

The fee on a deferred presentment transaction can be at most 15 percent of the principal amount, charged once per written agreement (S.C. Code Ann. § 34-39-180(E)). More limits are listed under the state rules on this page.

How do I check a lender's license in South Carolina?

Lenders in South Carolina are licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division. Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.

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

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. Check 'n Go locations (SC) · 34 locations Last verified Oct 15, 2026
  2. OpenStreetMap (Overpass API), SC · 9 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  3. 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
  4. 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
  5. S.C. Code Ann. § 37-3-502 · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  6. 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.