Payday Loans in Hartsville, South Carolina

Incidents happen, and we often wind up in a spot where we must pay for some surprise bills. Consider submitting an application for a cash advance loan in Hartsville, SC, to see if you meet the requirements.

The application process is quick and effortless. To qualify, loan borrowers have to satisfy a couple of straightforward conditions.

What is a Payday Loan? What Can It Be Put Towards?

A cash advance loan is where the borrower will be extended a petite sum of money on a short-term contract. This is thought of as an unsecured loan because no collateral is needed.

When surprise costs present themselves, such as late rent or utility fees, auto bills, health or vet payments, and so forth, people frequently rely upon paycheck advance loans.

Payday Loan Criteria In Hartsville, SC

In Hartsville, South Carolina, paycheck advance loan borrowers must meet a few stipulations to be eligible for a loan.

The borrower must:

• Provide proof that they live in Hartsville, South Carolina
• Must be 18 years old
• Receive a steady income that they can provide proof of being at least $1,000/month
• Give up-to-date contact details such as phone number and email address
• Provide their social security number

If a borrower does not meet the above rules, they will immediately be denied a paycheck advance loan. Make sure you possess the documents needed when requesting a loan.

Laws and Regulations Concerning Payday Advance Loans in Hartsville, SC

South Carolina has deemed paycheck advance lending legal. Although, they have put forth the following rules and regulations for the paycheck advance lending industry:

• An individual lender can't offer a loan for more than $600. Borrowers cannot have more than two outstanding loans from different lenders. There is no minimum loan amount.
• There is no minimum loan term, the maximum loan term length is 31 days. In South Carolina, borrowers are unable to rollover their loans.
• The fees and charges vary for each lender. The service fees enacted by lenders on each loan or transaction do not fall under interest. The service fees apply to every $100 loaned and can range from 11% up to 15%.
• An interest rate is required to be mutually settled upon. APR can be as high as 369%.

Will Paycheck Advance Lenders in Hartsville, SC, Perform Credit Checks? What If I Have Bad/No Credit History At All?

Yes, the lenders we work with will run a credit check on you, but, even if you possess no credit or poor credit, you might still be approved for a loan as long as you can prove that you are able to repay the loan. Lenders are usually unconcerned about your credit history if you offer proof of income and a plan to pay back the loan.

Lenders will conduct a soft credit inquiry, which will not impact your credit score. This is solely to get a look at your credit history and general information.

A hard credit pull, on the other hand, requires your permission. These credit pulls are utilized for various purposes, such as mortgages, credit card applications, and more.

You might still qualify for a payday advance loan with bad credit in Hartsville, SC, if you have proof of repayment.

So, when you request a loan, albeit in person or online, double check that you have your income information easily accessible and any other documents verifying that you can pay back the loan. The more proof you have, the more likely you are to be approved.

When Will I Receive My Money in Hartsville, SC?

When you get your loan truly relies on your lender as some lenders provide same-day paycheck advance loans, which means you will receive your paycheck advance loan on the same day you apply, as long as you get an approval.

Much of the time, though, lenders will give the borrower their lump sum on the following business day. Businesses often close for holidays and weekends. Therefore, if you apply on a Friday, you may not get your deposit until Monday.

If you're wanting a same-day payday loan in Hartsville, SC, you will need to ensure you're applying by 10:30 am. Any and all same-day deposits going out that day will be approved by that deadline. However, you should submit an application earlier than that if able, as it will boost the likelihood that you receive your money on the same day that you submit your application.

One additional consideration that you should be aware of is even if the money lender approves your application and posts the deposit to your bank account, occasionally the bank won't release that credit at that time. It's vital that you let your bank know that you plan to get a cash advance loan, so they could possibly make an exception in releasing the cash earlier.

Overall, it's wise to prepare ahead of time to receive money on the following business day. That way, you're not out of luck if you cannot get it on the same day.

Think About Borrowing From Us

If you possess bad credit or no credit and are looking to secure a payday loan, consider applying through us, as you frequently have a better chance of approval.

We work with over one hundred different lenders who provide their services online. Often you will receive your deposit on the next business day so make sure that you plan accordingly.

Although, you can always locate the closest paycheck advance loan storefront to you and apply in person to increase the chances of receiving your loan 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. Occasionally, lenders may ask for proof of address, so bring a utility bill to the store too.

To locate the nearest payday loan storefront, please refer to the list below and locate your city.

Payday Loan Direct Lender Companies in Hartsville, SC

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