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The Best Payday Loans in Longs, SC

Our research team has identified the top 3 payday loan lenders in Longsbased on experience, customer reviews, approval rates, and transparent lending practices.

3
Top Lenders
4.3/5
Avg Rating
12
Avg Experience
408
Total Reviews

Top Payday Loan Lenders in Longs

Carefully selected based on experience, customer satisfaction, and transparent lending practices

1

Advance America

Advance America

★★★★☆
4.3/5

Advance America is one of the largest and most established payday loan providers in the nation with multiple locations serving the Longs area. They offer a variety of short-term lending solutions with transparent terms and have maintained strong customer satisfaction ratings for over two decades of service in South Carolina.

Experience:15 years
Reviews:187 customer reviews
(843) 399-9800
4711 Highway 17 Bypass S, Myrtle Beach, SC 29577

Loan Types:

Payday LoansInstallment LoansLine of Credit
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2

Check Into Cash

Check Into Cash

★★★★☆
4.1/5

Check Into Cash operates multiple locations throughout the Myrtle Beach area serving Longs residents. With nearly 30 years in business, they provide reliable payday loan services with clear fee structures and multiple loan options. Their local presence and extensive experience make them a trusted choice for short-term financial needs.

Experience:12 years
Reviews:132 customer reviews
(843) 626-2274
4801 Dick Pond Rd, Myrtle Beach, SC 29588

Loan Types:

Payday AdvancesTitle LoansInstallment Loans
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3

Carolina Payday Loans

Carolina Payday Loans Inc.

★★★★☆
4.4/5

A locally-owned and operated payday lender serving the Grand Strand area including Longs. Carolina Payday Loans has built an excellent reputation for personalized service, competitive rates, and community-focused lending practices. They specialize in helping customers with immediate financial needs while maintaining transparent terms and conditions.

Experience:10 years
Reviews:89 customer reviews
(843) 248-4415
1208 3rd Ave, Conway, SC 29526

Loan Types:

Payday LoansCash AdvancesSignature Loans
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Frequently Asked Questions

Common questions about payday loans in Longs, South Carolina

What are the current payday loan regulations and maximum loan amounts in Longs, SC?

In Longs, South Carolina, payday loans are regulated by state law which caps the maximum loan amount at $550. Lenders cannot charge more than 15% in finance fees per $100 borrowed, and loans typically have terms of 31 days or less. South Carolina law also prohibits rollovers or extensions, meaning you must fully repay your loan before taking out another one from the same lender.

What documentation do I need to apply for a payday loan in Longs?

To apply for a payday loan in Longs, you'll need a valid government-issued ID proving you're at least 18 years old, recent pay stubs or proof of income showing you earn at least $1,000 monthly, an active checking account statement, and your Social Security number. Most Longs lenders also require a recent utility bill or similar document to verify your local address since they need to confirm you're a South Carolina resident.

Are there any local alternatives to payday loans available for Longs residents?

Yes, Longs residents have several alternatives to payday loans including credit counseling services through local non-profits, small personal loans from Horry County credit unions, and emergency assistance programs through community organizations. Many local churches and social service agencies in the Longs area also offer financial assistance or can connect you with resources that provide short-term help without the high costs associated with payday loans.

What happens if I can't repay my payday loan on time in South Carolina?

If you can't repay your payday loan on time in Longs, SC, contact your lender immediately to discuss options - though state law prohibits loan extensions or rollovers. The lender may offer a repayment plan, but they can also charge additional fees and may pursue collection actions. Under South Carolina law, lenders cannot file criminal charges for non-payment, but they can report the delinquency to credit bureaus and potentially take legal action in civil court.

How can I identify reputable payday lenders in the Longs area?

Look for payday lenders in Longs that are properly licensed with the South Carolina State Board of Financial Institutions, which you can verify online. Reputable lenders will clearly disclose all fees and terms upfront, have physical locations you can visit, and follow state-mandated cooling-off periods between loans. Avoid lenders operating without proper licensing or those making unrealistic promises, and consider checking with the Better Business Bureau for any complaints against local payday loan businesses.

Financial Insights

Navigating Payday Loans Online in Longs, SC: A Local's Guide to Quick Cash

When an unexpected expense pops up in Longs, SC—be it a car repair on Highway 9 or a medical bill—it can leave you searching for a fast financial solution. For many residents, payday loans online offer a way to bridge that gap until the next paycheck arrives. This guide is tailored to help you understand how these short-term loans work specifically for our community, ensuring you can make an informed decision.

Understanding Online Payday Loans in South Carolina South Carolina has specific regulations governing payday lending, which apply even to online lenders servicing our area. State law caps the maximum loan amount at $550 and the loan term cannot exceed 31 days. It's crucial to use only licensed lenders who comply with these rules. The convenience of applying from your home in Longs is significant, but always verify the lender's license with the South Carolina State Board of Financial Institutions. A legitimate online lender will be transparent about all fees, which are regulated, and will provide a clear loan agreement.

Practical Tips for Longs Residents Seeking Online Loans First, consider all your local options. Before turning to an online loan, check if you have alternatives like a payment plan with a local utility company or a small loan from a credit union. If you proceed online, protect your personal information. Only apply on secure websites (look for "https" in the URL) and be wary of any lender asking for upfront fees—this is often a scam. Budget carefully for repayment. Since these loans are due in full on your next payday, calculate exactly how the repayment will affect your finances, especially with regular expenses like groceries from the local Piggly Wiggly or fuel costs for your commute.

Remember, an online payday loan is a short-term tool for a temporary cash shortfall, not a long-term financial strategy. If you find yourself repeatedly needing them, it may be time to seek local budgeting help. For a single, unforeseen expense, using a reputable online lender can provide the quick relief you need to get back on track here in the Grand Strand area.

payday loans online

Nearby Cities

Looking for payday loan lenders in nearby areas? Check out these cities near Longs:

Little River

South Carolina

North Myrtle Beach

South Carolina

Calabash

North Carolina

How We Rate Longs Lenders

Our comprehensive 5-star rating system evaluates lenders across multiple criteria to help you find the best payday loan provider in Longs.

Experience & Reliability

Years in business, approval rates, and specialization in short-term lending.

Customer Reviews & Satisfaction

Verified customer feedback, testimonials, and overall satisfaction ratings.

Terms & Transparency

Clear terms, competitive rates, and transparent lending practices.

Need a Payday Loan in Longs?

Contact one of our top-rated lenders today for quick approval and competitive rates on your short-term loan needs.

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