North Charleston, SC · South · Allowed
Payday loans in North Charleston
North Charleston 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 North Charleston
109,298 residents · Berkeley County / Charleston County / Dorchester County Median household income is $39,543 — below the South Carolina median of $47,139.
6 storefront locations of 5 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 | 4400 Dorchester Rd, 29405 | (843) 740-9110 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 5101 Ashley Phosphate Rd Ste 115, 29418 | (843) 552-9630 | Mon 10:00 AM - 6:00 PM · hours vary |
| Lendmark Financial Services Business Financing, Auto Loan Providers, Installment Loans | 7800 Rivers Ave Ste 1210-A, 29406 | (843) 553-5724 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Pacifica Lending Auto Loan Providers, Installment Loans | North Charleston, 29418 | (843) 491-4037 | Hours not listed |
| Personal Cash Loans Installment Loans | 5418A Rivers Ave, 29406 | (843) 554-7110 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Security Finance Installment Loans | 4365 Dorchester Rd Ste 103, 29405 | (843) 744-9911 | Mon 9:00 AM - 6:00 PM · hours vary |
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 North Charleston
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 North Charleston 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 North Charleston
Are payday loans legal in North Charleston, SC?
Yes. Storefront payday lending is permitted across South Carolina, and North Charleston 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 North Charleston?
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 North Charleston?
6 storefronts are listed in North Charleston in our 2022-02-20 directory snapshot (5 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in North Charleston?
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.