Personal loans in North Myrtle Beach, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for North Myrtle Beach, SC.
The median household in North Myrtle Beach earns $72,722 a year, about the same as the South Carolina median of $69,324. About 7% of residents live below the federal poverty line, and 17.8% of households rent their home.
South Carolina law that applies in North 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 North Myrtle Beach
Lenders that serve North Myrtle Beach typically ask for the following:
- 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 North Myrtle Beach
What North Myrtle Beach borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in North 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 North Myrtle Beach
17 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens Bank | 2 | 1020 Highway 17 N, North Myrtle Beach 29582 |
| The Conway National Bank | 2 | Highway 17 And Chestnut Road, North Myrtle Beach 29582 |
| Pinnacle Bank | 2 | 780 Main St, North Myrtle Beach 29582 |
| Wells Fargo Bank, National Association | 1 | 210 Highway 17 N, North Myrtle Beach 29582 |
| Anderson Brothers Bank | 1 | 1799 Highway 17 N, North Myrtle Beach 29582 |
| Bank of America, National Association | 1 | 1339 Highway 17 S, North Myrtle Beach 29582 |
| First-Citizens Bank & Trust Company | 1 | 601 Highway 17 S, North Myrtle Beach 29582 |
| Truist Bank | 1 | 521 Main St, North Myrtle Beach 29582 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Horry County
9 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 | 2518 Main St, Conway 29526 |
| 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 North Myrtle Beach · Title Loans in North Myrtle Beach
Frequently asked questions
Can I get a personal loan with bad credit in North Myrtle Beach?
Possibly. Lenders in our network consider applicants with fair and bad credit across South Carolina, including North 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 North 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 North 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.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. North Myrtle Beach residents can see their options in about 3 minutes.
How do I apply for a personal loan with bad credit in North 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.
How long does it take to get a personal loan in North Myrtle Beach?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in North Myrtle Beach.
Where can I find a loan for bad credit in North Myrtle Beach?
You can apply at local banks and lenders in North 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.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to North Myrtle Beach borrowers who qualify.
Do I need to visit a store in North 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.