Loans in Dorchester County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dorchester County, SC.
The median household in Dorchester County earns $78,198 a year, 13% above the South Carolina median of $69,324. About 11% of residents live below the federal poverty line, and 24.5% of households rent their home.
What you need for a payday loan in Dorchester County
Lenders that serve Dorchester 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 Dorchester County
What Dorchester County borrowers use it for
the fastest options online
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Dorchester 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 Dorchester County
Banks with branches in Dorchester County
39 FDIC-insured bank branches from 21 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank of South Carolina | 4 | 143 W Main St, Harleyville 29448 |
| SouthState Bank, National Association | 4 | 5542 Memorial Blvd, Saint George 29477 |
| First-Citizens Bank & Trust Company | 3 | 218 S Main St, Summerville 29483 |
| Bank of America, National Association | 3 | 5001 Ashley Phosphate Rd, North Charleston 29418 |
| Pinnacle Bank | 3 | 616 N Main St, Summerville 29483 |
| Truist Bank | 3 | 10105 Dorchester Rd, Summerville 29485 |
| United Bank | 3 | 5561 Memorial Blvd, Saint George 29477 |
| Wells Fargo Bank, National Association | 2 | 10106 Dorchester Rd, Summerville 29485 |
| JPMorgan Chase Bank, National Association | 2 | 10040 Dorchester Rd, Summerville 29485 |
| Enterprise Bank of South Carolina | 1 | 577 Ridgeville Rd, Ridgeville 29472 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dorchester County
7 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Grow Financial | 9514 Dorchester Rd Ste 102, Summerville 29485 |
| Navy Federal Credit Union | 113 Grandview Dr, Summerville 29483 |
| South Carolina | 1000 N Main St, Summerville 29483 |
| Self-Help | 741 N Main St, Summerville 29483 |
| Rev | 8435 Dorchester Rd, N Charleston 29420 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Dorchester County
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Dorchester County?
Dorchester 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 Dorchester County?
Title loans are legal in South Carolina.
Where can I get a small loan in Dorchester County?
Options include 39 bank and 7 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 Dorchester County?
Fill out our short online form from anywhere in Dorchester 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.
Where can I get a loan in Dorchester County, SC?
You can apply at banks, credit unions and lenders in Dorchester 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 apply for a loan online in Dorchester County?
Yes. You don't need to visit a branch or storefront anywhere in Dorchester 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 Dorchester County with bad credit?
Yes, many lenders in our network work with Dorchester 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 a loan in Dorchester 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. Dorchester County residents can start any time, and it takes about 3 minutes.