Get a Payday Loan in Summerville, SC
Three minutes to request, no fee, and no obligation to accept any offer.
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South Carolina loan rules at a glance
| Rule | South Carolina limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | $550 |
| Maximum term | 31 days maximum |
| Finance charge cap | 15% of the amount advanced (about $82.50 on a $550 loan) |
| Rollovers | Rollovers prohibited; only one payday loan outstanding at a time, checked against a statewide database |
| Cooling-off period | Extended payment plan available once every 12 months — four equal installments, no additional finance charges |
| Statute | South Carolina Deferred Presentment Services Act — S.C. Code Ann. § 34-39-110 et seq. |
Source: South Carolina State Board of Financial Institutions (Consumer Finance Division) · Rules verified July 15, 2026
Before you apply
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Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.