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Address: 128 E Shackleford Rd, Gantt, SC 29625
Today's Business Hours: 9:00 AM - 6:00 PM
Phone Number: +1 (864) 225-1296
Website: creditcentralllc.com
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Business loans Installment loans Payday loans Account Servicing Financial Services Online Loan Application Online Pay Online Payments Online Tax Preparation Quick Loans Tax Loans Tax Refund Tax Return Preparation Traditional Bank Loans Vehicle RepairsShort-term loans encompass a variety of financial solutions designed to address immediate borrowing needs. Personal loans offer unsecured, flexible borrowing options typically repaid in installments over a few months, making them suitable for unexpected expenses. Installment loans involve borrowing a set amount of money and repaying it over a scheduled period in equal payments, providing predictability in budgeting. Title loans are secured loans where borrowers use their vehicle title as collateral, allowing access to funds while still using the vehicle, but they carry the risk of repossession if payments are not met. Each type serves different financial situations, emphasizing the importance of considering terms, interest rates, and repayment obligations.
In South Carolina, short-term loans are regulated under state-wide laws designed to protect consumers while providing access to quick cash. The state allows short-term loan amounts up to $550, with a minimum loan term of 14 days. Unlike many states, South Carolina does not specify a maximum loan term, but the law requires a cooling-off period of 1 day between each loan.
The fees charged by payday lenders are capped at 15% of the principal amount. This means for a $100 loan, the maximum fee a lender can charge is $15. The Annual Percentage Rate (APR) on these loans can be quite high when calculated annually, so borrowers should be aware of the costs associated with short-term borrowing.
Eligibility for short-term loans in South Carolina typically includes requirements such as being at least 18 years old, having a steady income, and possessing an active bank account. Lenders may also consider a borrower's credit history and financial situation.
These regulations apply across the entire state of South Carolina, ensuring consistent lending practices and borrower protections in every region. Borrowers need to understand these regulations to make informed decisions about using short-term loans as a financial tool.
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A short-term loan is a type of loan that is typically scheduled to be repaid within a year. These loans can be an ideal solution for unexpected expenses or financial emergencies, providing quick access to funds.
Yes, some lenders specialize in offering short-term loans to individuals with bad credit. However, interest rates may be higher to offset the additional risk to the lender.
Same-day loans are a type of short-term loan designed to deliver funds to the borrower on the day of application approval. This quick processing makes them suitable for urgent financial needs.
Short-term loans are a specific type of short-term loan intended to tide you over until your next paycheck. They are known for high interest rates and fees, and should be used cautiously.
Funds from a short-term loan can often be received as quickly as the same day, although the timeline may vary depending on the lender and application process.
Repayment terms for short-term loans usually range from a few weeks to several months. Be sure to review the specific terms set by your lender before accepting the loan.
To apply for a short-term loan, you typically need to complete an online application with your personal and financial information. The lender will review your application, and if approved, you will receive the loan offer with terms.
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