Fort Mill, SC · South · Allowed
Payday loans in Fort Mill
Fort Mill 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 Fort Mill
15,029 residents · York County Median household income is $61,773 — above the South Carolina median of $47,139.
5 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 | 3150 Hwy 21, 29715 | (803) 547-9998 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 200 N Dobys Bridge Rd Ste 132, 29715 | (803) 548-5101 | Mon 10:00 AM - 6:00 PM · hours vary |
| Anyday Payday Loans Check Cashing/Pay-day Loans, Installment Loans | 3312 US 21, 29715 | (704) 257-6483 | Mon 9:00 AM - 6:00 PM · hours vary |
| El Carrito Title Loans, Installment Loans | 2012 Hwy 160 W Ste 21, 29708 | (704) 492-3483 | Mon Closed · hours vary |
| Regional Finance Installment Loans, Check Cashing/Pay-day Loans | 400 N Dobys Bridge Rd Ste 103, 29715 | (803) 228-6044 | Mon–Fri 9:00 AM - 6:00 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 Fort Mill
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 Fort Mill 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 Fort Mill
Are payday loans legal in Fort Mill, SC?
Yes. Storefront payday lending is permitted across South Carolina, and Fort Mill 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 Fort Mill?
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 Fort Mill?
5 storefronts are listed in Fort Mill 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 Fort Mill?
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.