Personal 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.
South Carolina law that applies in Myrtle Beach
| Rate cap | Supervised lenders: on cash advances over $600, any rate filed and posted with the Department of Consumer Affairs (no statutory maximum); on $600 or less, no more than the Consumer Finance Act charges. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Consumer Finance Act: loans of $7,500 or less. |
Full rules with statute citations: Personal 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 personal loan in Myrtle Beach
Most Myrtle Beach applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Myrtle Beach
What Myrtle Beach borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Myrtle Beach
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms 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 · Payday Loans in Myrtle Beach · Title Loans in Myrtle Beach
Frequently asked questions
Can I get a personal loan with bad credit in Myrtle Beach?
Possibly. Lenders in our network consider applicants with fair and bad credit across South Carolina, including Myrtle Beach. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Myrtle Beach, SC?
No cap over $600 (filed and posted rates); Consumer Finance Act schedule up to $7,500.
How fast can I get a personal loan in Myrtle Beach?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
Where can I find a loan for bad credit in Myrtle Beach?
You can apply at local banks and lenders in Myrtle Beach, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How do I apply for a personal loan with bad credit in Myrtle Beach?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Can I get a personal loan in Myrtle Beach with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Myrtle Beach residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Myrtle Beach with our free 3-minute form.
How can I get an emergency loan in Myrtle Beach?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
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.