Goose Creek, SC · South · Allowed
Payday loans in Goose Creek
Goose Creek is governed by South Carolina's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in South Carolina. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Goose Creek
42,039 residents · Berkeley County / Charleston County Median household income is $61,122 — above the South Carolina median of $47,139.
4 storefront locations of 4 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 134 St James Ave, 29445 | (843) 553-5632 | Mon 10:00 AM - 6:00 PM · hours vary |
| Always Money Check Cashing/Pay-day Loans, Gold Buyers | 136 Saint James Ave, 29445 | (843) 820-1308 | Mon 9:00 AM - 6:00 PM · hours vary |
| Cash Credit Installment Loans | 1316 Red Bank Rd Ste 2, 29445 | (843) 553-3409 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Lendmark Financial Services - Goose Creek Business Financing, Installment Loans, Auto Loan Providers | 98 Davenport St Ste 3, 29445 | (843) 410-0862 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the South Carolina page before visiting. Spot an error? Report it.
The online route in Goose Creek
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in South Carolina follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the South Carolina regulator.
The rules behind the numbers
Deferred presentment service agreements are short-term loans and are not intended to solve long-term financial problems.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in Goose Creek has to fit inside that schedule.
Statute: S.C. Code Ann. § 34-39-110 et seq.
Regulator: South Carolina State Board of Financial Institutions · bofi.sc.gov
Questions people ask in Goose Creek
Are payday loans legal in Goose Creek, SC?
Yes. Storefront payday lending is permitted across South Carolina, and Goose Creek runs under the same state rules: maximum loan $550, fees capped at 15% of face value of check ($15 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Goose Creek?
The same as anywhere in South Carolina: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Goose Creek?
4 storefronts are listed in Goose Creek in our 2022-02-20 directory snapshot (4 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Goose Creek?
Complaints about a lender go to the South Carolina State Board of Financial Institutions (bofi.sc.gov) — keep the loan agreement and every fee disclosure you were given.