Payday loans in Charleston, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Charleston, SC.
The median household in Charleston earns $92,414 a year, 33% above the South Carolina median of $69,324. About 12% of residents live below the federal poverty line, and 44.4% of households rent their home. When an unexpected bill hits before payday, Charleston residents can request $100 to $1,000 online in minutes.
South Carolina law that applies in Charleston
| 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 Charleston
Lenders that serve Charleston 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 Charleston
What Charleston borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Charleston
- 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 Charleston
70 FDIC-insured bank branches from 26 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Pinnacle Bank | 10 | 158 Meeting St, Charleston 29401 |
| SouthState Bank, National Association | 7 | 2440 Mall Dr, Charleston 29406 |
| Wells Fargo Bank, National Association | 6 | 16 Broad St, Charleston 29401 |
| First-Citizens Bank & Trust Company | 5 | 182 Meeting St, Charleston 29401 |
| Truist Bank | 4 | 174 Meeting St, Charleston 29401 |
| JPMorgan Chase Bank, National Association | 4 | 1129 Savannah Hwy, Charleston 29407 |
| The Bank of South Carolina | 3 | 256 Meeting St, Charleston 29401 |
| TD Bank, National Association | 3 | 852 Orleans Rd, Charleston 29407 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Charleston
14 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 1319 Sam Rittenberg Blvd, Charleston 29407 |
| Boeing Employees | 5400 International Blvd, Charleston 29418 |
| South Carolina | 140 Bee St, Charleston 29401 |
| State Department | 2009 Dyess Ave Bldg F, Charleston 29405 |
| Rev | 2030 Sam Rittenberg Blvd, Charleston 29407 |
| Latitude 32 | 1845 Sam Rittenberg Blvd, Charleston 29407 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Charleston County · Berkeley County · Personal Loans in Charleston · Title Loans in Charleston
Frequently asked questions
Can I get a payday loan in Charleston, 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 Charleston through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Charleston?
No more than $550 advanced to you at one time, not counting the fee.
How fast can I get a payday loan in Charleston?
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.
How do payday loans work in Charleston?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Charleston residents can start the process online in about 3 minutes.
How much does a payday loan cost in Charleston?
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 Charleston borrowers in about 3 minutes.
What is a payday loan in Charleston?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Charleston can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and South Carolina rules. See if you qualify 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. Charleston residents can request a payday advance online through our network in about 3 minutes.
How do I get a payday loan in Charleston, 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 Charleston borrowers can finish the form in about 3 minutes.
Do I need to visit a store in Charleston?
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.