Payday loans in Irmo, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Irmo, SC.
The median household in Irmo earns $80,489 a year, 16% above the South Carolina median of $69,324. About 9% of residents live below the federal poverty line, and 18.4% of households rent their home. When an unexpected bill hits before payday, Irmo residents can request $100 to $1,000 online in minutes.
South Carolina law that applies in Irmo
| 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 Irmo
Lenders that serve Irmo 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 Irmo
What Irmo borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Irmo
- 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 Irmo
11 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First-Citizens Bank & Trust Company | 2 | 949 Lake Murray Blvd, Irmo 29063 |
| Truist Bank | 2 | 7425 Saint Andrews Rd, Irmo 29063 |
| Pinnacle Bank | 1 | 1363 Lake Murray Blvd, Irmo 29063 |
| TD Bank, National Association | 1 | 1265 Lake Murray Blvd, Irmo 29063 |
| First Palmetto Bank | 1 | 7327 Saint Andrews Rd, Irmo 29063 |
| First Community Bank | 1 | 1030 Lake Murray Blvd, Irmo 29063 |
| Ameris Bank | 1 | 1200 Lake Murray Blvd, Irmo 29063 |
| Security Federal Bank | 1 | 1790 Dutch Fork Rd, Irmo 29063 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Irmo
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Allsouth | 7454 Woodrow St, Irmo 29063 |
| Safe | 10600 Broad River Rd, Irmo 29063 |
| S. C. State | 7438 Broad River Rd, Irmo 29063 |
| Palmetto Citizens | 7816 Broad River Rd, Irmo 29063 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Richland County · Lexington County · Personal Loans in Irmo · Title Loans in Irmo
Frequently asked questions
Can I get a payday loan in Irmo, 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 Irmo through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Irmo?
No more than $550 advanced to you at one time, not counting the fee.
How fast can I get a payday loan in Irmo?
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.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Irmo residents can see their options with our 3-minute form.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Irmo? Our form takes about 3 minutes.
How do payday loans work in Irmo?
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. Irmo residents can start the process online in about 3 minutes.
Is a payday loan the same as a cash advance?
The terms are often used interchangeably. A payday loan is sometimes called a cash advance because it advances money against your next paycheck. A credit card cash advance is different: you withdraw cash against your card's credit limit, which requires available credit on a card. If you don't have card credit to tap, a payday loan through our network is a fast option. Check your options in about 3 minutes.
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. Irmo residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Irmo?
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.