Payday Loans in Easley, South Carolina

Life happens, and we usually wind up in a spot where we have to pay for some unforeseen costs. Consider applying for a payday advance loan in Easley, South Carolina, to see if you meet the requirements.

The loan application process is swift and effortless. To be eligible, borrowers must meet a few basic conditions.

What is a Cash Advance Loan? What Can It Be Put Towards?

A cash advance loan is where the borrower will receive a petite sum of funds on a short-term basis. This is thought of as an unsecured loan due to the fact that no collateral is expected.

When unforeseen bills present themselves, such as past due rent or utility costs, car fees, medical or vet expenditures, and so on, individuals often turn to payday advance loans.

Payday Loan Criteria In Easley, SC

In Easley, South Carolina, cash advance loan borrowers are required to meet a few criteria to be eligible for a loan.

The borrower has to:

• Provide proof that they are a resident of Easley, South Carolina
• Must be 18 years old
• Receive a steady income that they can prove that's at least $1,000 per month
• Give active contact information including phone number and email address
• Provide their social security number

If a borrower does not satisfy the above rules, they will immediately be denied a paycheck advance loan. Ensure that you have the documents needed when applying for a loan.

Laws and Rules Regarding Payday Advance Loans in Easley, South Carolina

The State of South Carolina has ruled paycheck advance lending legal. Although, they have enacted the below rules and regulations for the payday advance lending market:

• An individual money lender cannot offer a loan for more than $600. Borrowers are not allowed to take out more than two unpaid loans from different lenders. There is no smallest loan amount.
• There is no minimum loan term, the maximum loan term length is 31 days. In South Carolina, borrowers cannot rollover their loans.
• The fees and charges change for each money lender. The service fees enacted by lenders on a cash advance loan are not considered interest. The service fees apply to every $100 loaned and can range between 11-15%.
• An interest rate is required to be mutually settled upon. APR can range up to 369%.

Will Payday Lenders in Easley, South Carolina, Perform Credit Checks? What If I Have Bad/No Credit History At All?

Yes, the lenders we have a relationship with will complete a credit check on you, still, even if you have no credit or dismal credit, you might still be approved for a loan as long as you can prove that you are able to pay back the loan. Lenders are commonly unconcerned about your credit if you provide proof of income and a strategy to pay back the loan.

Lenders will conduct a soft credit check, which will have no impact on your credit score. This is only to get an idea of your credit history and general information.

A hard credit check, on the other hand, requires your permission. These credit pulls are used for a variety of purposes, including mortgages, credit card applications, and more.

You can still qualify for a payday advance loan with imperfect credit in Easley, South Carolina, as long as you have proof of repayment.

Therefore, when you request a loan, albeit in person or online, ensure that you have your income information easily accessible and any other documents verifying that you can repay the loan. The more evidence you have, the more likely you are to be approved.

When Will I Receive My Loan in Easley, South Carolina?

When you see your deposit truly relies on the lender as some lenders provide same-day cash advance loans, which means you will see your payday loan on the same day you apply, as long as you're approved.

Most of the time, however, lenders will give the borrower their lump sum on the next business day. Businesses generally close for holidays and weekends. Because of this, if you apply on a Friday, you might not receive your funds until Monday.

If you're needing a same-day payday advance loan in Easley, SC, you will need to ensure you're applying by 10:30 am. Any and all same-day loans going out that day will be approved by that deadline. However, you should request a loan earlier than that if able, as it will increase the likelihood that you get your deposit on the same day that you apply.

One more factor that you should understand is even if the money lender approves your application and posts the loan to your checking account, occasionally the bank won't release that loan immediately. It's important to let your bank know that you plan to receive a paycheck advance loan, so they might make an exception in releasing the loan earlier.

Overall, it's best to prepare in advance to receive your funds on the next business day. That way, you're not out of luck if you cannot receive it on the same day.

Think About Borrowing From Us

If you have less than great credit or no credit and are looking to get a paycheck advance loan, consider applying with us, as you most likely have a higher chance of approval.

We work with over one hundred different lenders who offer their services online. Often you will get your cash on the next business day so make sure that you plan appropriately.

Although, you can always locate the nearest cash advance loan storefront to you and apply in person to boost the chances of seeing your money on the same business day. When requesting a loan in person, make sure that you have your government ID or driver's license; a passport is sufficient. Sometimes, lenders may require proof of address, so bring a utility bill to the store as well.

To locate the nearest payday loan store, please use the list below and locate your city.

Payday Loan Direct Lender Companies in Easley, SC

Below you will find a list of payday loan companies offering their services in Easley, South Carolina. If you can't find a lender near your location in Easley, consider applying in a nearby city in South Carolina. Alternatively, you can apply online on our website and get a decision almost instantly.