Payday loans in Beaufort, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Beaufort, SC.
The median household in Beaufort earns $61,220 a year, 12% below the South Carolina median of $69,324. About 12% of residents live below the federal poverty line, and 38.5% of households rent their home. When an unexpected bill hits before payday, Beaufort residents can request $100 to $1,000 online in minutes.
South Carolina law that applies in Beaufort
| Maximum loan | No more than $550 advanced to you at one time, not counting the fee. |
|---|---|
| Fee cap | The fee may not exceed 15% of the principal and may be charged only once per agreement. |
| Rollovers | Not allowed. |
| Loans at once | One payday loan at a time, with any licensee. |
| Payment plan | Once every 12 months, if you cannot repay, you may choose an extended payment plan. |
Full rules with statute citations: Payday Loans in South Carolina. Cities in South Carolina cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Beaufort
Here's what to have on hand before you start your payday loan request in Beaufort:
- 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 Beaufort
What Beaufort borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a payday loan in Beaufort
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve South Carolina.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
South Carolina does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Beaufort
17 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SouthState Bank, National Association | 2 | 1121 Boundary St, Beaufort 29902 |
| Regions Bank | 2 | 146 Sea Island Pkwy, Beaufort 29907 |
| First Federal Bank | 2 | 36 Sea Island Pkwy, Beaufort 29907 |
| Ameris Bank | 1 | 2348 Boundary St, Beaufort 29902 |
| Palmetto State Bank | 1 | 2347 Boundary St, Beaufort 29902 |
| Bank of America, National Association | 1 | 2115 Boundary St, Beaufort 29902 |
| Wells Fargo Bank, National Association | 1 | 148 Sea Island Pkwy, Beaufort 29907 |
| First-Citizens Bank & Trust Company | 1 | 921 Bay St, Beaufort 29902 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Beaufort
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Marine | 265 Sea Island Pkwy, Beaufort 29907 |
| Cpm | 3481 Trask Pkwy, Beaufort 29906 |
| Navy Federal Credit Union | 203 Robert Smalls Pkwy, Beaufort 29906 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Beaufort County · Personal Loans in Beaufort · Title Loans in Beaufort
Frequently asked questions
Can I get a payday loan in Beaufort, SC?
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. You can request one online from Beaufort through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Beaufort?
No more than $550 advanced to you at one time, not counting the fee.
How fast can I get a payday loan in Beaufort?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Beaufort residents can see if they qualify in about 3 minutes.
Where can I get a payday loan in Beaufort?
You can visit a storefront in Beaufort or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on South Carolina rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
How do I get a payday loan in Beaufort, SC?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Beaufort borrowers can finish the form in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Beaufort residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in Beaufort?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.