James Island, SC · South · Allowed
Payday loans in James Island
James Island 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 James Island
12,166 residents · Charleston County Median household income is $64,313 — above the South Carolina median of $47,139.
| Nearest storefronts | Town | Phone |
|---|---|---|
| 1st Franklin Financial | Charleston 6 mi | (843) 573-9980 |
| Cash Credit | Charleston 6 mi | (843) 402-0107 |
| Advance America | Mount Pleasant 8 mi | (843) 971-4092 |
| Check 'n Go | Mount Pleasant 8 mi | (843) 881-0070 |
| Advance America | North Charleston 14 mi | (843) 740-9110 |
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 James Island
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 James Island 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 James Island
Are payday loans legal in James Island, SC?
Yes. Storefront payday lending is permitted across South Carolina, and James Island 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 James Island?
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 James Island?
Our 2022-02-20 directory snapshot lists no storefront lenders in James Island — the closest listed locations are in Charleston, Mount Pleasant, North Charleston.
Who regulates lenders in James Island?
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.