Loans in Charleston County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Charleston County, SC.
The median household in Charleston County earns $88,494 a year, 28% above the South Carolina median of $69,324. About 11% of residents live below the federal poverty line, and 36.1% of households rent their home.
What you need for a payday loan in Charleston County
Lenders that serve Charleston 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 Charleston County
What Charleston County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Charleston 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 Charleston County
Banks with branches in Charleston County
140 FDIC-insured bank branches from 34 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 16 | 16 Broad St, Charleston 29401 |
| Pinnacle Bank | 14 | 158 Meeting St, Charleston 29401 |
| SouthState Bank, National Association | 13 | 2440 Mall Dr, Charleston 29406 |
| First-Citizens Bank & Trust Company | 9 | 2170 Ashley Phosphate Rd, North Charleston 29406 |
| Truist Bank | 8 | 174 Meeting St, Charleston 29401 |
| Bank of America, National Association | 7 | 1020 Anna Knapp Blvd, Mount Pleasant 29464 |
| JPMorgan Chase Bank, National Association | 7 | 960 Houston Northcutt Blvd, Mount Pleasant 29464 |
| TD Bank, National Association | 6 | 852 Orleans Rd, Charleston 29407 |
| The Bank of South Carolina | 5 | 256 Meeting St, Charleston 29401 |
| Coastal Carolina National Bank | 5 | 2347 Highway 17 Byp N, Mount Pleasant 29466 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Charleston County
26 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Cpm | 1066 E Montague Ave, North Charleston 29405 |
| Navy Federal Credit Union | 1319 Sam Rittenberg Blvd, Charleston 29407 |
| Boeing Employees | 5400 International Blvd, Charleston 29418 |
| South Carolina | 2175 Credit Union Ln, North Charleston 29406 |
| S. C. State | 6750 Rivers Ave, North Charleston 29406 |
| State Department | 2009 Dyess Ave Bldg F, Charleston 29405 |
| Rev | 7550 Rivers Ave, North Charleston 29406 |
| Latitude 32 | 1845 Sam Rittenberg Blvd, Charleston 29407 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Charleston County
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Charleston County?
Charleston 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 Charleston County?
Title loans are legal in South Carolina.
Where can I get a small loan in Charleston County?
Options include 140 bank and 26 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 Charleston County?
Fill out our short online form from anywhere in Charleston 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 Charleston County?
Yes. You don't need to visit a branch or storefront anywhere in Charleston 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.
Can I get a loan in Charleston 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. Charleston County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Charleston County?
Yes. When an unexpected bill comes up, Charleston 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 Charleston County with bad credit?
Yes, many lenders in our network work with Charleston 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.