Payday Loans South Carolina | 5 Best Loans in South Carolina in 2021

Payday loans in South Carolina are considered an accessible solution in the form of money borrowed by anyone who needs it (usually at the end of the month) for the short-term. It has become a popular and convenient way to have some money to spend on critical expenses just before the next paycheck.

Financial struggles leave people confused about how to solve them without asking their family or friends for help. Making a wrong choice often leads people into a terrible debt cycle which is known to be inescapable. But in this guide, you will find information on how to apply for a payday loan online from the best online provider in South Carolina.

#1 South Carolina Payday Loan in 2021 – Viva Payday Loans

Best South Carolina Payday Loans – Quick-Pick

With the advancement of internet connectivity, payday loans can be applied from a number of online lenders and brokers. We’ve decided to include 5 of the best online payday loan providers in South Carolina, with detailed reviews included in later sections.

  • Viva Payday Loans – Overall Best Loan Provider in South Carolina. Visit now.
  • Money Lender Squad – Best For No Guarantors. Visit now.
  • Credit Clock – Best for Fast Approvals. Visit now.
  • Very Merry Loans – Best for Same Day Payouts. Visit now.
  • Heart Paydays – Best for Low APR. Visit now.

What Are Payday Loans South Carolina?

Payday loans for bad credit have come a long way since they were first introduced back in the 19th century as a form of payday lending. Today’s technology and the internet have made applying for payday loans an easy task.  this has all the benefits but none of the disadvantages of a tradition that you might encounter in the case of a bank or other financial institution. With payday loans you do not have to worry about;

  • Extra-long wait time for loan approval
  • Bad credit score or your not-so-perfect credit history
  • Filling a puzzling application form that takes hours to finish
  • Securing your loan by keeping possession as collateral

Common Uses of Online Payday Loans South Carolina

It is not surprising to see how much payday loans usage has grown in the past few years all over the US. Several top-tier online loan providers have made it easily accessible for people in all 52 states of America including South Carolina. There is also no restriction as to the purpose of taking out a payday loan which makes it suitable for people going through any kind of financial situation to get a payday loan that helps them when nothing else makes sense.

Below are a few common uses of payday loans in South Carolina where people get it before their next paycheck to pay for;

  • Electricity bill
  • Vacation
  • Hospital bill
  • Insurance premium
  • Grocery
  • Dentist’s appointment
  • Car repairs
  • Vet bills
  • Unexpected expenses 

How to Qualify for Online Payday Loans South Carolina?

If you are a resident of South Carolina, then you might be able to see the appeal in payday loans. But if you want to apply for such a loan to help balance your expenses for the month then your first step should be knowing whether you are eligible or not. Luckily, these criteria are readily available on various web portals. To apply for such a loan from a trustworthy loan provider, you must be:

  • Over 18 years of age
  • Having a valid ID card
  • be a permanent US citizen
  • Having a US bank account
  • Having proof of residence
  • Having monthly earnings of over $1000 

Best 5 Online Payday Loans South Carolina – Fully Reviewed

Here we have listed detailed information on 5 of the best online providers of payday loans South Carolina.

1. Viva Payday Loans – Overall Best Payday Loan Option in South Carolina

This one is an old and familiar name that has the trust of many people who struggled with financial problems but could not approach a bank due to bad credit. This portal does not only accept borrowers with bad credit but also does not require a thorough credit check beforehand. You can find not just a handful but several verified lenders based in the US who would readily accept a loan request and proceed to same-day payout.

Lender Loan amount Terms APR Fees Rating
LendUp $100-$500 2 to 24 months 30% – 180% none 10/10
Rise Credit $500-$5000 2 to 24 months 50% – 299% none 10/10


  • You get to choose loan amount freely
  • Loan approval usually takes 2 minutes


  • Interest rates are shared after loan approval
  • Can be expensive for some people

2. Credit Clock – Best for Fast Approvals

platform is most popular for its simple approach and quick approval timing that does not keep people who need immediate funds waiting needlessly. Thousands of people take a payday loan from this provider when they are in a hurry because of their easy and quick loan finding options. It takes hardly 5 minutes for anyone to get used to their interface, fill the form, submit it, and get approval. It is the most sensible choice if you are a registered US citizen who needs some quick cash before they get paid next month.

Lender Loan amount Terms APR Rating
OppLoans $500 – $4000 9 – 18 months varies 10/10
GreenDay $100 – $5000 24 months 5.99% – 35.99% 9/10


  • User-friendly interface and legal portal
  • Takes 24 hours from approval to payout
  • The approval process is quick and transparent


  • Borrowers must be earning $1000 per month

3. Money Lender Squad – Best For No Guarantors

 Another time-saver online platform offering online payday loans is . It is a unique web platform that provides payday loans without requiring a guarantor. People with bad credit and those who have been denied a loan from banks are welcome on this site to request a payday loan. The repayment time can be anywhere between 60 days and 24 months depending on the loan amount and agreement signed between the lender and the borrower.

Lender Loan amount Terms APR Fees Rating
OppLoans $500-$4000 2 – 48 months 99% – 160% none 10/10
Rise Credit $300-$3000 2 – 24 months 89% – 449% none 10/10


  • This platform is safe and easy to use
  • Guarantors are not needed to get approval
  • Loan terms can be extended at your convenience


4. Very Merry Loans – Best for Same Day Payouts

 The safest and most efficient way to get a payday loan these days is to directly connect with as many lenders as you can through an online platform. Very Merry Loans is a platform that does half the work for applicants interested in reaching out to a few of the many available lenders active in the US. In case of any financial emergency, this provider can ensure that a lender is available to approve loan applications which takes just under 5 minutes to finish. Apart from that, funds are readily disbursed by lenders associated with Very Merry Loans.

Lender Loan amount Terms Fees Rating
CashNet USA $500 – $1000 8 to 31 days Specific to state of residence 9/10


  • Applications are approved quickly
  • One can opt for both short and long-term loans
  • Zero or bad credit holders are allowed


  • Based on the state of residence, fees and interest rates vary on this online payday loan portal.

5. Heart Paydays – Best for No Guarantors Required

Heart Paydays is known to offer a multitude of services through its platform for people living in the US. Not only is its web portal welcoming and easy to understand but it also accepts all kinds of FICO scores without any problems whatsoever. Once an application is submitted, people can expect to get loan approval in just 5 minutes.

Any applicant can request a payday loan starting at $200 up to $2000 which must be repaid within a tenure of 60 days.

Lender Loan amount Terms Fees Rating
LendUp $100 – $5000 30 days $17 to $50 10/10
ACE Cash $200 – $2000 7 to 30 days 3% 9/10


  • Short-term loans have the lowest possible APR
  • No disturbance caused by phone calls
  • Loans are paid mostly within an hour


  • High fees are charged on some of the loan offers.

Features of Payday Loans South Carolina

Payday loans differ from traditional loans in many aspects mentioned in brief below.

Getting a loan

Payday loans can be requested either online or from a brick-and-mortar loan shop. When using an online platform, the application forms are pretty simple and straightforward. Borrowers may need to provide an ACH authorization to the lender, allowing it to withdraw the loan amount together with the accrued interest.


The requirements for getting a payday loan approved are pretty simple. Almost all lenders require you to be at least 18 years of age, have a valid bank account and contact information.


The average loan tenure for payday loans ranges between a few weeks and a few months, depending on the terms and conditions you receive. As interest rates are quite high for these loan products, it is generally advised not to take long-term term payday loans. Many state laws have been introduced which have enabled EPPs(extended payment plans), allowing borrowers to repay in regular installments.


Many payday lenders allow loans to be extended if you are unable to repay the loan on the due date. This is known as a rollover, which can extend the loan period for another 14 days. Every rollover is subject to additional interest rates and exta fees such as overdraft fees.

Interest Rates

Interest rates for payday loans are typically higher in comparison to traditional loan products. Since these loans are unsecured and the lenders do not conduct extensive background checks on the applicants, they charge high-interest rates to offset the risk. To get the best payday loan interest rates, one should sign up with a payday loan provider instead of a direct lender.

Types of Payday Loans South Carolina

Bad Credit Loans

For South Carolina residents with a bad credit history or bad credit score, the only option left for accessing credit is payday loans. Payday lenders do not judge their applicants based on their credit profile or history.

This increases the chances of approval for loans at payday loan lenders which can be very helpful if you’re in a position where you cannot delay other payments.

Get a bad credit payday loan here >

No Credit Check Loans

One of the main reasons why payday loans are so popular is because of no credit checks. Payday lenders do not take into consideration the repayment ability of its borrowers. This means that they d not conduct any extensive credit checks on their own.

Even if they access your credit information, applications will not be judged based on an individual’s past financial records. No credit checks also allow lenders to provide loans faster, with same-day deposits being the standard in almost all lenders.

Get a no credit check payday loan here >

Direct Lenders Loans

Many borrowers prefer working with direct lenders rather than payday loan providers.  Many people cite security and better rates as major reasons why they go for direct lenders.

However, one can get better loan offers and increase chances of loan approval if a payday loan provider is used. Payday providers such as the ones mentioned in our ist work with a  myriad of lenders which helps them match the applications in a better way.

Get a direct lenders payday loan here >

Same Day Deposits Loans

Borrowers normally look out for same-day deposits when it comes to payday loans. Payday lenders can normally transfer loan amounts within 24 hours of applying. This is radically different than banks and other financial institutions which can take weeks for approving a loan.

Same-day deposits allow borrowers to use the payday funds to make payments that cannot be delayed. This is a sought-after feature in the payday lending industry.

Get a same day payday loan here >

Unemployed Loans

Many people have suffered layoffs and temporary unemployment due to the covid-19 pandemic. It is not uncommon to find individuals without jobs and with substantial bills to pay. In the event you do not have sufficient savings, you can opt for payday loans to fill in the gap.

Many people who are freelancers will also find payday loans useful, as normal banks and financial institutions do not provide loans to unemployed individuals. Payday loan lenders do not take a borrower’s credit background into considerations and the approval rates are thus higher.

Get a unemployed payday loan here >

SSI Benefits Loans

SSI or Supplemental Security Income is a federal program that pays monthly benefits to people with limited income and resources who are disabled, blind, or age 65 or older. Normally such individuals do not qualify for traditional loans from banks and other financial institutions on account of their credit and financial status.

Individuals with SSI benefits can easily apply with a payday loan lender or provider. They do not consider credit reports which will allow them to easily transfer the loan within a short period of time.

Get a unemployed payday loan here >

Title Loans vs. Online Payday Loans South Carolina

We’ve already discussed what payday loans are all about. Title loans are another form of credit that has seen a rise in consumer demand over the last decade. Many people confuse the two while others think they are the same thing. However, title loans and payday loans differ in some key areas discussed below.

Application requirements

Payday loans require some basic information from their borrowers such as proof of income, bank account and a government-issued ID. On the other hand, title loans require a car title, a government-issued ID, and proof of insurance.


Payday loans are legal in all states except Washington, D.C , Arizona, Arkansas, Georgia, New Mexico and North Carolina. Title loans are legal in Alabama, Arizona, Delaware, Georgia, Idaho, Illinois, Mississippi, Missouri, Nevada, New Hampshire, New Mexico, South Dakota, Tennessee, Texas, Utah, Virginia and Wisconsin.

Credit Impact

Payday loan lenders do not report your credit to relevant authorities. This means that your credit score won’t get affected. Title loan providers also do report the loan to credit bureaus. However, a repossession might show up on your credit report.

Advantages of Online Payday Loans South Carolina

A better alternative to a bank loan

A financial crisis is a common thing and banks may judge you on the basis of your credit report.  It may be difficult for you to get a mortgage or bank loan if you have a poor credit report. The process is also time-consuming, sometimes taking weeks to be completed. Payday lenders on the other hand take only 24 hours to provide you with the funds.


Expenses such as bills, rent and groceries can put a strain on one’s finances. The majority of payday borrowers do so to cover daily expenses. Payday loans offer instant access to funds which make it easier to pay these bills which cannot be delayed.

Loan to go

Online payday loans can be accessed from anywhere, either from a desktop or a smartphone. It just takes a couple of minutes to fill-up the form. After approval of the loan, the amount will be directly transferred to your registered bank account.

Transparent agreement

Most payday lenders are required by law to provide you with all the information related to the loan, including interest rates, rollover fees, administration fees and others. Signing up with a payday loan provider will give you many different options to choose from.

Disadvantages of Online Payday Loans Rhode Island

Financial constraints

One of the major risks of short-term borrowing is the way it may impact a borrower’s finances from one month to the next. While some lenders offer a loan period of up to three months, others may require the borrower to make the repayment in full. These time constraints can put stress on borrowers as it planning other monthly expenses around the loan repayments become tougher and tougher.

Continuous Payment Authority

Some short-term payday lenders may ask borrowers for Continuous Payment Authority(CPA) before approving a loan. This gives lenders the legal right to take payments from your bank account, provided there are sufficient funds. Most reputed lenders which are authorized by the government will ask for your prior approval before applying CPA.

How to get Online Payday Loans Rhode Island

Payday loan lenders provide very easy application processes which can be completed in a matter of minutes. They’re all very similar in nature. We’ve decided to briefly explain the signing up process of Viva Payday Loans.

Step 1: Visit the Viva Payday Loan Official Website

Viva Payday Loans’ official website is very user-friendly, with the “Apply Now” button found in the top right corner of the website.

Step 2: Completing the application form

You will need to provide certain pieces of information about yourself such as name, income details, personal information, banking information, and employment details. Once your application is matched with a particular lender under its network, you may be required to provide additional information.

Step 3: Getting your decision

Viva Payday Loans can complete the application process within a couple of minutes. You will be notified on the spot about the acceptance or rejection of your loan application.

Step 4: Receiving the loan

Finally, you will be sent a loan agreement which you can review. After checking the terms and conditions of the contract and signing it, send it back to the loan provider. After acceptance, the loan amount will be sent directly to your bank account.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans


– Rhode Island

– Michigan

– Colorado 


Who can get a payday loan?

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About Prodosh Kundu PRO INVESTOR

Prodosh Kundu is the Founder & CEO of SERP Consultancy, a prominent Digital Marketing Company in Kolkata, India. Starting his career in 2004, he is a Google AdWords certified internet marketing professional, SEO consultant, strategist, and analyst. With his strong understanding of financial market regulations, stocks, blockchain technology, cryptocurrency, & forex, Prodosh has written thousands of articles, blogs, broker reviews, guides, and offered critical analysis & recommendations on investment opportunities!

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