South Carolina Payday Loans
- Online loans of up to $550
- No hard credit check
- Easy application and approval
- Money from a direct lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Online Payday Loans for Your Emergency
A payday loan is helpful when unexpected expenses or surprise bills arise between paychecks. These small, short-term loans must be repaid within 14 to 31 days. The maximum loan amount available in South Carolina is $550.
Payday loans offer several benefits to people with bad credit who need a fast cash solution. At 1F Cash Advance, you can apply for payday loans online with no credit check, receive an instant approval decision, and have the funds directly deposited into your South Carolina bank account on the same day.
How to Get a Loan in South Carolina
Our process is quick and simple. Follow these steps to get quick cash for your urgent needs:
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Submit an application form. Complete it online through our website, visit our South Carolina location, or call us at (854) 444-8507.
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Receive fast approval. Your application will be reviewed in just minutes. There's no hard credit check involved.
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Get funded. Upon approval, the money will be available in your account on the same day.*
*Same-day funding is available to applicants who finalize their loans before 10:30 am ET on a business day. Applications approved after 10:30 am ET or on weekends will be processed no later than the next banking day.
What You Need to Qualify
We have easy-to-meet requirements that make our online loans accessible. Here’s what you need to apply:
- 18+ years of age
- Government-issued photo ID
- Social Security Number
- Proof of income
- Valid South Carolina address
- Active bank account
- Email and phone number
Rates & Terms
An average payday loan APR in South Carolina is 391% on a 14-day loan. The maximum finance charge set by law is 15% of the advanced amount. Late payments may result in an NSF fee of up to $10. Borrowers who are unable to repay the loan on time can enter an extended repayment plan for a 12-month period before the due date. This option involves no extra charges.
Here are cost examples for a two-week loan:
| Loan Amount | Finance Charge | APR | Total Repayment |
|---|---|---|---|
| $200 | $30 | 391.07% | $230 |
| $400 | $60 | 391.07% | $460 |
| $550 | $82.5 | 391.07% | $632.5 |
Find Our Location Near You
You can apply in person at our office located at 4308 Cheyenne St, North Charleston, SC 29405, or contact our local representative at (854) 444-8507.
We provide fast and reliable financial solutions across South Carolina, from Greenville to Myrtle Beach. Some of the cities we serve include:
- Columbia
- Charleston
- Mount Pleasant
- Rock Hill
Have no time for a store visit? Feel free to apply online 24/7 and receive cash without leaving your home.
Not in South Carolina? We have locations nationwide. Find our store near you and get personalized assistance from our dedicated team.
How Much Can I Borrow with Payday Loans?
Our payday loans in South Carolina are limited to $550. The amount you can qualify for will also depend on your income. If you need a higher amount for bigger projects or more substantial needs, consider an installment loan as a more flexible option.
Installment Loans vs Payday Loans
While payday loans need to be repaid in full by your next paycheck, installment loans offer you the flexibility of scheduled repayment. With their help, you can borrow up to $5,000 in one lump sum and make fixed monthly payments over up to 24 months. They are a great option for borrowers with less-than-perfect scores who want to finance a large purchase, make home improvements, pay for medical expenses, or cover other long-term needs.
Why Choose 1F Cash Advance
1F Cash Advance is always here to serve borrowers who may not qualify for traditional bank loans. Here’s what makes us different:
Simple application process
When applying for a loan with us, simply complete a quick form and receive approval in minutes. We don't perform hard credit checks, ensuring a fast and hassle-free process.
Fast funding
Approved borrowers get their loan funds within 1 business day. Same-day funding is also available.
Outstanding customer support
Our customer care team provides personalized advice and professional assistance whenever you need it. Reach out to us at (854) 444-8507 or email [email protected] to connect with our representative.
Find Out Why Customers Trust Us
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
How long does it take to get loan funds?
Loans from 1F Cash Advance come with same-day or next-day funding, depending on the loan origination times. Borrowers who accept their loan offers before 10:30 am on a business day may receive the money on the same day. Otherwise, you will be funded on the next banking day.
Can I get a loan with bad credit?
Sure. We don't set minimum credit score requirements or perform hard credit checks, making our online loans ideal for bad credit borrowers in South Carolina.
Will applying for a loan affect my credit score?
Our loan process doesn't affect your credit score as there's only a "soft" credit check involved in the process. This inquiry is made to assess your financial profile and the ability to repay.
What are payday loan alternatives?
If you need a higher loan amount for a longer term, consider our installment loans of up to $5,000. Borrowers who are looking for an option for their ongoing needs may also turn to a line of credit. With its help, you can use the money within a given limit and only pay interest on what you actually spend.