Payday loans in Cayce, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cayce, SC.
The median household in Cayce earns $62,045 a year, 10% below the South Carolina median of $69,324. About 14% of residents live below the federal poverty line, and 39.5% of households rent their home. When an unexpected bill hits before payday, Cayce residents can request $100 to $1,000 online in minutes.
South Carolina law that applies in Cayce
| 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 Cayce
Most Cayce 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 Cayce
What Cayce borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a payday loan in Cayce
- 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 Cayce
6 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 1 | 1131 Knox Abbott Dr, Cayce 29033 |
| Pinnacle Bank | 1 | 1245 Knox Abbott Dr, Cayce 29033 |
| Bank of America, National Association | 1 | 440 Knox Abbott Dr, Cayce 29033 |
| First-Citizens Bank & Trust Company | 1 | 860 Knox Abbott Dr, Cayce 29033 |
| United Bank | 1 | 1201 Knox Abbott Dr, Cayce 29033 |
| Southern First Bank | 1 | 190 Knox Abbott Dr, Cayce 29033 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cayce
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Allsouth | 701 Knox Abbott Dr, Cayce 29033 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Richland County · Lexington County · Personal Loans in Cayce · Title Loans in Cayce
Frequently asked questions
Can I get a payday loan in Cayce, 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 Cayce through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Cayce?
No more than $550 advanced to you at one time, not counting the fee.
How fast can I get a payday loan in Cayce?
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. Cayce residents can see if they qualify in about 3 minutes.
How do I get a payday loan in Cayce, 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 Cayce borrowers can finish the form in about 3 minutes.
Where can I get a payday loan in Cayce?
You can visit a storefront in Cayce 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.
How much does a payday loan cost in Cayce?
The fee may not exceed 15% of the principal and may be charged only once per agreement. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Cayce borrowers in about 3 minutes.
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.
Do I need to visit a store in Cayce?
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.