Loans in Chesterfield County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Chesterfield County, SC.
The median household in Chesterfield County earns $49,235 a year, 29% below the South Carolina median of $69,324. About 20% of residents live below the federal poverty line, and 27.2% of households rent their home. 14.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Chesterfield County
Here's what to have on hand before you start your payday loan request in Chesterfield County:
- 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 Chesterfield County
What Chesterfield County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Chesterfield 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 Chesterfield County
Banks with branches in Chesterfield County
9 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First-Citizens Bank & Trust Company | 3 | 403 W Main St, Chesterfield 29709 |
| Carolina Bank & Trust Co. | 2 | 166 Olde Towne Center, Chesterfield 29709 |
| First Bank | 1 | 901 Chesterfield Hwy, Cheraw 29520 |
| First Palmetto Bank | 1 | 201 N Pearl St, Pageland 29728 |
| The Citizens Bank | 1 | 7 North Seventh Street, Mc Bee 29101 |
| Woodforest National Bank | 1 | 1040 Chesterfield Hwy, Cheraw 29520 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Chesterfield County
4 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Founders | 2599 Highway 9, Cheraw 29520 |
| Spc | 849 Chesterfield Hwy, Cheraw 29520 |
Source: NCUA credit union branch data, June 30, 2026.
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Chesterfield County?
Chesterfield 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 Chesterfield County?
Title loans are legal in South Carolina.
Where can I get a small loan in Chesterfield County?
Options include 9 bank and 4 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 Chesterfield County?
Fill out our short online form from anywhere in Chesterfield 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 Chesterfield County?
Yes. You don't need to visit a branch or storefront anywhere in Chesterfield 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 Chesterfield County, SC?
You can apply at banks, credit unions and lenders in Chesterfield 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 a loan in Chesterfield County with bad credit?
Yes, many lenders in our network work with Chesterfield 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 get an emergency loan in Chesterfield County?
Yes. When an unexpected bill comes up, Chesterfield 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.