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Payday Loans in Myrtle Beach, SC

Compare 0 licensed lenders • Fast approval • Same-day funding

Max Loan
$500
Active Lenders
0
Approval Time
15 min
Population
35,682
Compare Lenders in Myrtle Beach →

About Payday Loans in Myrtle Beach

Myrtle Beach is a small city in South Carolina with 35,682 residents and a median income of $59,416. The local economy is influenced by South Carolina's manufacturing and automotive sectors. With a cost of living 13% below national average, residents seeking emergency funding can access payday loans online, with SC Consumer Affairs overseeing consumer lending practices. South Carolina regulates payday loans at 391% APR (15% fee), with SC Consumer Affairs providing oversight for Myrtle Beach consumers.

Key Industries: manufacturing, automotive, tourism, agriculture
Median Income: $59,416
Cost of Living: 13% below national average (index: 87)

Myrtle Beach Economic Profile

Population
35,682
Median Income
$59,416
Cost of Living
87
13% below national average
Region
Deep South
Cost of Living Index 87 / 200
Low Cost National Avg High Cost

Key Industries

manufacturing automotive tourism agriculture

Payday Loan Key Facts – Myrtle Beach, SC

Max Loan Amount $550
APR / Fee Structure 391% APR (15% fee)
Max Loan Term 31 days
Cooling-Off Period 1 business day
State Regulator SC Consumer Affairs
Active Lenders 0 licensed in SC
City Population 35,682
Avg. Household Income $59,416
Cost of Living 13% below national average (index: 87)

Source: State regulatory databases, U.S. Census Bureau, Bureau of Labor Statistics. Data verified January 2026.

South Carolina Payday Loan Regulations

South Carolina Payday Loan Regulations

Max Loan Amount:$550
Max Term:31 days
Typical APR:391%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in South Carolina are regulated by Board of Financial Institutions. Maximum $550.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

Compare Lenders in Myrtle Beach

0 licensed lenders serving Myrtle Beach, SC

*Rates and terms vary by lender and applicant. All lenders listed are licensed in SC.

Payday Loan Cost Comparison – Myrtle Beach

See how costs change with different loan amounts in South Carolina

💰 Small Loan 14 days
Loan Amount
$300
APR / TAE 391%
Finance Charge $44.99
Cost per $100 $15.00
Total Repayment $344.99
Apply for $300 →
💵 Medium Loan 14 days
Loan Amount
$500
APR / TAE 391%
Finance Charge $74.99
Cost per $100 $15.00
Total Repayment $574.99
Apply for $500 →
🏦 Large Loan 30 days
Loan Amount
$550
APR / TAE 391%
Finance Charge $176.75
Cost per $100 $32.14
Total Repayment $726.75
Apply for $550 →
Representative examples for Myrtle Beach, SC. Actual rates vary by lender, credit profile, and loan terms. South Carolina regulatory rate: 391% APR (15% fee). Cooling-off period: 1 business day. Always review your loan agreement before signing.

How to Get a Payday Loan in Myrtle Beach

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Frequently Asked Questions – Myrtle Beach

How do I get a payday loan in Myrtle Beach, SC?
To get a payday loan in Myrtle Beach: (1) Be 18+ with valid government ID, (2) Have an active checking account, (3) Show proof of income (pay stubs or bank statements), (4) Provide your Social Security number. Most Myrtle Beach lenders approve applications within 15 minutes and deposit funds the same or next business day. South Carolina loans are regulated by SC Consumer Affairs.
What is the maximum payday loan amount in Myrtle Beach?
In South Carolina, including Myrtle Beach, the maximum payday loan is $550. The regulated rate is 391% APR (15% fee). A 1 business day cooling-off period applies between loans. Verify current limits with SC Consumer Affairs.
How long does it take to get money in Myrtle Beach?
Most lenders serving Myrtle Beach provide same-day or next-business-day funding. If approved before 10 AM on a weekday, you may receive funds within hours via direct deposit to your checking account. Weekend applications are typically processed on Monday. ACH transfers may take 1–2 business days, while some lenders offer instant funding for an additional fee.
Can I get a payday loan with bad credit in Myrtle Beach?
Yes. Many lenders serving Myrtle Beach, SC approve borrowers with poor or no credit history. These lenders focus on your current income and ability to repay rather than your credit score. However, expect higher APR and lower initial loan amounts. Compare multiple offers to find the lowest total cost.
What documents do I need for a Myrtle Beach payday loan?
You'll typically need: (1) Valid government-issued photo ID (driver's license or state ID), (2) Proof of income (recent pay stubs, bank statements, or tax return), (3) Active checking account information (routing and account numbers), (4) Social Security number for identity verification. Some South Carolina lenders may also request proof of Myrtle Beach residency (utility bill or lease).
What is the APR for payday loans in Myrtle Beach?
391% APR (15% fee). This rate is set by SC Consumer Affairs and applies to all licensed lenders in Myrtle Beach. Always review the full fee schedule in your loan agreement.
What happens if I can't repay my payday loan in Myrtle Beach?
If you cannot repay on time in Myrtle Beach, SC: (1) Contact your lender immediately — many offer payment plans or extensions, (2) South Carolina requires a 1 business day cooling-off period between loans, preventing immediate rollover, (3) Late fees and collection actions may follow, (4) Unpaid loans may be reported to credit bureaus, (5) Contact SC Consumer Affairs if you believe a lender is violating South Carolina law. Never take a new payday loan to pay off an existing one.

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How We Research Payday Loans in Myrtle Beach

Our editorial team verifies all lender information, state regulations, and fee structures against official sources. This page for Myrtle Beach, SC was last reviewed and updated in January 2026.

Sources & References

  • • SC Consumer Affairs — South Carolina lending regulations
  • • CFPB — Federal consumer protection guidelines
  • • U.S. Census Bureau — Myrtle Beach population & economic data
  • • Bureau of Labor Statistics — Income & cost of living estimates

Our Standards

  • • All lenders are verified as licensed in SC
  • • APR and fee data cross-checked with state records
  • • Content reviewed by financial services professionals
  • • Read our full editorial policy

Important Information

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Myrtle Beach, South Carolina may change. Always verify current regulations with your state's consumer financial protection agency before applying.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you're matched with. Credizen is a comparison platform – we do not directly provide loans.

For consumer protection resources, visit the CFPB .

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Emergency Financial Help

If you're experiencing financial difficulties, contact your local financial counseling service.

  • South Africa: National Credit Regulator - 0860 627 627
  • Romania: ANPC - 0213142200
  • Colombia: Superintendencia Financiera - (571) 594 2222
  • Poland: KNF - 22 262 5000
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