Loans in Orangeburg County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Orangeburg County, SC.
The median household in Orangeburg County earns $45,675 a year, 34% below the South Carolina median of $69,324. About 22% of residents live below the federal poverty line, and 33.0% of households rent their home. 16.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Orangeburg County
Most Orangeburg 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 Orangeburg County
What Orangeburg County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Orangeburg 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 Orangeburg County
Banks with branches in Orangeburg County
18 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SouthState Bank, National Association | 5 | 3025 Saint Matthews Rd, Orangeburg 29118 |
| Farmers and Merchants Bank of South Carolina | 4 | 8624 Old State Rd, Holly Hill 29059 |
| First National Bank of South Carolina | 2 | 801 Gilway St, Holly Hill 29059 |
| First-Citizens Bank & Trust Company | 2 | 1820 Columbia Rd, Orangeburg 29115 |
| Truist Bank | 1 | 500 Bennett St, Orangeburg 29115 |
| Enterprise Bank of South Carolina | 1 | 7222 Festival Trail Rd, Springfield 29146 |
| The Bank of Clarendon | 1 | 8850 Old Hwy 6, Santee 29142 |
| First Bank | 1 | 1085 Saint Matthews Rd, Orangeburg 29115 |
| Coastal Carolina National Bank | 1 | 1807 Columbia Road, Orangeburg 29115 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Orangeburg County
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Allsouth | 1588 Saint Matthews Rd, Orangeburg 29118 |
| Cpm | 1174 Boulevard St, Orangeburg 29115 |
| S. C. State | 1081 Boulevard St, Orangeburg 29115 |
| Edisto | 1880 Russell St, Orangeburg 29115 |
| S. C. H. D. Dist #7 | 293 Broughton St, Orangeburg 29115 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Orangeburg County
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Orangeburg County?
Orangeburg 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 Orangeburg County?
Title loans are legal in South Carolina.
Where can I get a small loan in Orangeburg County?
Options include 18 bank and 5 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 Orangeburg County?
Fill out our short online form from anywhere in Orangeburg 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 Orangeburg County?
Yes. You don't need to visit a branch or storefront anywhere in Orangeburg 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 an emergency loan in Orangeburg County?
Yes. When an unexpected bill comes up, Orangeburg 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 Orangeburg 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. Orangeburg County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Orangeburg County with bad credit?
Yes, many lenders in our network work with Orangeburg 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.