Rock Hill, SC · South · Allowed
Payday loans in Rock Hill
Rock Hill 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 Rock Hill
72,937 residents · York County Median household income is $40,396 — below the South Carolina median of $47,139.
6 storefront locations of 6 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 |
|---|---|---|---|
| 1st Franklin Financial Investing, Installment Loans | 2012 Cherry Rd Ste 102, 29732 | (803) 327-0070 | Mon 8:30 AM - 5:30 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 1930 Cherry Rd, 29732 | (803) 329-9775 | Mon 10:00 AM - 6:00 PM · hours vary |
| National Finance Company Installment Loans | 1030 Edwards St Ste 105, 29732 | (803) 366-8700 | Mon 9:00 AM - 6:00 PM · hours vary |
| Security Finance Installment Loans | 129 E White St, 29730 | (803) 328-3868 | Mon 9:00 AM - 6:00 PM · hours vary |
| Sunbelt Credit Installment Loans | 875 Albright Rd Ste 101, 29730 | (803) 328-1366 | Mon 9:00 AM - 6:00 PM · hours vary |
| Williams & Fudge Installment Loans | 300 Chatham Ave, 29730 | (800) 849-9791 | Hours not listed |
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 Rock Hill
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 Rock Hill 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 Rock Hill
Are payday loans legal in Rock Hill, SC?
Yes. Storefront payday lending is permitted across South Carolina, and Rock Hill 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 Rock Hill?
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 Rock Hill?
6 storefronts are listed in Rock Hill in our 2022-02-20 directory snapshot (6 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Rock Hill?
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.