Loans in Berkeley County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Berkeley County, SC.
The median household in Berkeley County earns $84,358 a year, 22% above the South Carolina median of $69,324. About 10% of residents live below the federal poverty line, and 25.5% of households rent their home.
What you need for a payday loan in Berkeley County
Lenders that serve Berkeley County typically ask for the following:
- 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 Berkeley County
What Berkeley County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Berkeley 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 Berkeley County
Banks with branches in Berkeley County
37 FDIC-insured bank branches from 18 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First-Citizens Bank & Trust Company | 4 | 1248 Yeamans Hall Rd, Hanahan 29410 |
| Pinnacle Bank | 4 | 230 Seven Farms Dr, Daniel Island 29492 |
| JPMorgan Chase Bank, National Association | 4 | 1300 N Main St, Summerville 29483 |
| Farmers and Merchants Bank of South Carolina | 3 | 221 E Main St, Moncks Corner 29461 |
| SouthState Bank, National Association | 3 | 317 N Highway 52, Moncks Corner 29461 |
| Fifth Third Bank, National Association | 3 | 1306 N Main St, Summerville 29483 |
| Wells Fargo Bank, National Association | 2 | 237 E Main St, Moncks Corner 29461 |
| First National Bank of South Carolina | 2 | 1710 N Main St, Summerville 29486 |
| Truist Bank | 2 | 144 Saint James Ave, Goose Creek 29445 |
| Woodforest National Bank | 2 | 511 N Highway 52, Moncks Corner 29461 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Berkeley County
19 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Cpm | 165 Brighton Park Blvd, Summerville 29486 |
| Navy Federal Credit Union | 119 Plantation North Blvd Ste D, Goose Creek 29445 |
| South Carolina | 82 Bridgetown Rd, Goose Creek 29445 |
| Rev | 200 Marymeade Dr, Summerville 29483 |
| Bayer Heritage | 1522 Bushy Park Rd, Goose Creek 29445 |
| Nucor Employee'S | 1000 Hagan Rd, Huger 29450 |
| Santee Cooper Credit Union | 612 Rembert C Dennis Blvd, Moncks Corner 29461 |
| Berkeley Community | 600 Main Street Ext, Moncks Corner 29461 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Berkeley County
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Berkeley County?
Berkeley 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 Berkeley County?
Title loans are legal in South Carolina.
Where can I get a small loan in Berkeley County?
Options include 37 bank and 19 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 Berkeley County?
Fill out our short online form from anywhere in Berkeley 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 apply for a loan online in Berkeley County?
Yes. You don't need to visit a branch or storefront anywhere in Berkeley 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 Berkeley County, SC?
You can apply at banks, credit unions and lenders in Berkeley 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.
Can I get an emergency loan in Berkeley County?
Yes. When an unexpected bill comes up, Berkeley 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 Berkeley County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Berkeley County residents can start any time, and it takes about 3 minutes.