Payday loans in Myrtle Beach, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Myrtle Beach, SC.
The median household in Myrtle Beach earns $60,394 a year, 13% below the South Carolina median of $69,324. About 19% of residents live below the federal poverty line, and 39.5% of households rent their home. When an unexpected bill hits before payday, Myrtle Beach residents can request $100 to $1,000 online in minutes.
South Carolina law that applies in Myrtle Beach
| 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 Myrtle Beach
Here's what to have on hand before you start your payday loan request in Myrtle Beach:
- 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 Myrtle Beach
What Myrtle Beach borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Myrtle Beach
- 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 Myrtle Beach
42 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Truist Bank | 4 | 2619 N Oak St, Myrtle Beach 29577 |
| Pinnacle Bank | 3 | 3751 Robert M Grissom Pkwy, Myrtle Beach 29577 |
| The Conway National Bank | 3 | 3591 Northgate Dr, Myrtle Beach 29588 |
| Bank of America, National Association | 3 | 2501 N Oak St, Myrtle Beach 29577 |
| SouthState Bank, National Association | 3 | 4331 Robert M Grissom Pkwy, Myrtle Beach 29577 |
| First-Citizens Bank & Trust Company | 3 | 4040 River Oaks Dr, Myrtle Beach 29579 |
| The Citizens Bank | 3 | 610 International Dr, Myrtle Beach 29579 |
| Anderson Brothers Bank | 3 | 1010 London St, Myrtle Beach 29577 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Myrtle Beach
6 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Corning | 8703 Highway 17 Byp S, Myrtle Beach 29575 |
| South Carolina | 970 Wood Duck Dr, Myrtle Beach 29577 |
| Carolina Trust | 1010 21St Ave N, Myrtle Beach 29577 |
| Santee Cooper Credit Union | 1232 Farrow Pkwy Ste A, Myrtle Beach 29577 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Horry County · Personal Loans in Myrtle Beach · Title Loans in Myrtle Beach
Frequently asked questions
Can I get a payday loan in Myrtle Beach, 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 Myrtle Beach through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Myrtle Beach?
No more than $550 advanced to you at one time, not counting the fee.
How fast can I get a payday loan in Myrtle Beach?
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.
Where can I get a payday loan in Myrtle Beach?
You can visit a storefront in Myrtle Beach 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 Myrtle Beach?
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 Myrtle Beach borrowers in about 3 minutes.
How do payday loans work in Myrtle Beach?
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. Myrtle Beach residents can start the process online 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. Myrtle Beach residents can request a payday advance online through our network 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.
Do I need to visit a store in Myrtle Beach?
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.