Loans in Aiken County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Aiken County, SC.
The median household in Aiken County earns $70,609 a year, about the same as the South Carolina median of $69,324. About 14% of residents live below the federal poverty line, and 23.5% of households rent their home.
What you need for a payday loan in Aiken County
Most Aiken County applicants can finish in one sitting if they have these ready:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Aiken County
What Aiken County borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Aiken County
Payday Loans Legal
Payday loans (deferred presentment services) are legal in South Carolina from lenders licensed by the State Board of Financial Institutions under Title 34, Chapter 39.
Personal Loans
No cap over $600 (filed and posted rates); Consumer Finance Act schedule up to $7,500.
Title Loans Legal
Title loans are legal in South Carolina.
Banks and credit unions in Aiken County
Banks with branches in Aiken County
28 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Security Federal Bank | 9 | 238 Richland Ave W, Aiken 29801 |
| First-Citizens Bank & Trust Company | 3 | 125 Park Ave Sw, Aiken 29801 |
| Regions Bank | 3 | 432 West Ave, North Augusta 29841 |
| Wells Fargo Bank, National Association | 2 | 402 Georgia Ave, North Augusta 29841 |
| Bank of America, National Association | 2 | 441 W Martintown Rd, North Augusta 29841 |
| SouthState Bank, National Association | 2 | 336 Georgia Ave, North Augusta 29841 |
| Woodforest National Bank | 2 | 2035 Whiskey Rd, Aiken 29803 |
| TD Bank, National Association | 1 | 142 Chesterfield St, Aiken 29801 |
| First Community Bank | 1 | 407 Silver Bluff Rd, Aiken 29803 |
| Coastal Carolina National Bank | 1 | 322 Richland Ave W, Aiken 29801 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Aiken County
12 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Peach State | 143 Old Jackson Hwy, Beech Island 29842 |
| Srp | 1070 Edgefield Rd, North Augusta 29860 |
| S. C. State | 190 Beaufort St Ne, Aiken 29801 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Aiken County
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Aiken County?
Aiken County follows South Carolina law. Payday loans (deferred presentment services) are legal in South Carolina from lenders licensed by the State Board of Financial Institutions under Title 34, Chapter 39.
Are title loans legal in Aiken County?
Title loans are legal in South Carolina.
Where can I get a small loan in Aiken County?
Options include 28 bank and 12 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Aiken County?
Fill out our short online form from anywhere in Aiken County. We share it with lenders in our network that serve South Carolina; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get an emergency loan in Aiken County?
Yes. When an unexpected bill comes up, Aiken County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Aiken County with bad credit?
Yes, many lenders in our network work with Aiken County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Aiken County?
Yes. You don't need to visit a branch or storefront anywhere in Aiken County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve South Carolina. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in Aiken County, SC?
You can apply at banks, credit unions and lenders in Aiken County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve South Carolina residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.