Loans in Spartanburg County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Spartanburg County, SC.
The median household in Spartanburg County earns $66,234 a year, about the same as the South Carolina median of $69,324. About 14% of residents live below the federal poverty line, and 27.0% of households rent their home.
What you need for a payday loan in Spartanburg County
Here's what to have on hand before you start your payday loan request in Spartanburg 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 Spartanburg County
What Spartanburg County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Spartanburg 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 Spartanburg County
Banks with branches in Spartanburg County
63 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First-Citizens Bank & Trust Company | 9 | 105 W Church St, Cowpens 29330 |
| Arthur State Bank | 7 | 131 S Main St, Woodruff 29388 |
| Truist Bank | 7 | 380 E Main St, Spartanburg 29302 |
| Wells Fargo Bank, National Association | 6 | 5870 Reidville Rd, Moore 29369 |
| United Community Bank | 4 | 108 E Main St, Duncan 29334 |
| First Piedmont Federal Savings and Loan Association of Gaffney | 4 | 1510 John B White Blvd., Spartanburg 29301 |
| Woodforest National Bank | 4 | 2151 E Main St, Spartanburg 29307 |
| First Horizon Bank | 3 | 215 N Pine St, Spartanburg 29302 |
| Bank of America, National Association | 3 | 1787 Asheville Hwy, Spartanburg 29303 |
| JPMorgan Chase Bank, National Association | 3 | 104 E Blackstock Rd, Spartanburg 29301 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Spartanburg County
17 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Founders | 1307 Boiling Springs Rd, Spartanburg 29303 |
| Cpm | 240 E Blackstock Rd, Spartanburg 29301 |
| Spero Financial | 130 N Town Dr, Spartanburg 29303 |
| Carolina Foothills | 520 N Church St, Spartanburg 29303 |
| Truliant | 2241 Boiling Springs Rd, Boiling Springs 29316 |
| South Carolina | 1000 Asheville Hwy, Spartanburg 29303 |
| S. C. State | 165 Camelot Dr, Spartanburg 29301 |
| Sharonview | 1855 E Main St Ste 7, Spartanburg 29307 |
| Ukrainian | 225 W Blackstock Rd, Spartanburg 29301 |
| Mtc | 1785 New Cut Rd, Spartanburg 29303 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Spartanburg County
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Spartanburg County?
Spartanburg 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 Spartanburg County?
Title loans are legal in South Carolina.
Where can I get a small loan in Spartanburg County?
Options include 63 bank and 17 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 Spartanburg County?
Fill out our short online form from anywhere in Spartanburg 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 get a loan in Spartanburg County with bad credit?
Yes, many lenders in our network work with Spartanburg 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 Spartanburg 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. Spartanburg County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Spartanburg County?
Yes. You don't need to visit a branch or storefront anywhere in Spartanburg 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 Spartanburg County?
Yes. When an unexpected bill comes up, Spartanburg 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.