Carolina Payday Loans, Inc. maintains a policy of providing consumers with the information and knowledge necessary to make informed, responsible loan decisions.
Carolina Payday Loans, Inc. undertakes all collection activity in strict compliance with the provisions of the Federal Fair Debt Collection Practices Act enforced by the Federal Trade Commission. Carolina Payday Loans, Inc. follows all applicable laws, rules, and regulations. Applicable provisions of the Fair Debt Collection Practices Act prohibit the following:
Contacting consumers by telephone before 8 a.m. or after 9 p.m.
Contacting consumers by phone with the intent to annoy, harass, or using abusive language at any time.
Collecting debt through deception or misrepresentation.
Threatening legal recourse when no legal action is intended.
Carolina Payday Loans, Inc. promotes the informed use of Consumer credit by rigidly adhering to Federal regulations requiring Disclosures about loan terms and costs. Before consumers assume any obligation they will be presented, in writing, with the exact rates, fees, and other details of their payday loan as required under Federal Law.
In addition to Federal regulations, South Carolina also has numerous laws regulating payday loans. These laws include, but are not limited to, regulations regarding interest rates, rollover limits, fees, charges and terms.
Submitting your payday loan inquiry on this website incurs absolutely no obligation. Based on the inquiry you submit, a Carolina Payday Loans, Inc. customer service representative will call you to discuss your payday loan needs.
As noted above, Federal Law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you by Carolina Payday Loans, Inc. at the location before you sign any agreement. You can also view an example of our Rates and Fees by clicking this link. Please review all the rate information provided to you by our customer service representative thoroughly and completely before signing any agreement. You are under no obligation to accept the terms provided by Carolina Payday Loans, Inc.
Should an unexpected emergency arise which prevents you from making your payment on time, our loan representatives at Carolina Payday Loans, Inc. are trained to work with you on establishing payment arrangements in accordance with state regulations.
Carolina Payday Loans, Inc. representatives are highly trained to work with you to establish payment arrangements in accordance with state regulations to allow you to fulfill your payday loan obligations.
South Carolina state law requires a one or two business day cooling off period after paying off your payday loan. In South Carolina, there are no extensions. After the applicable waiting period, you may re-apply for another payday loan.
There exists a common misconception that a poor credit history may result in a higher interest rate for payday loans. With Carolina Payday Loans, Inc. your credit score does not affect the interest rate, fees or charges determined for a payday loan.
Non-Discrimination Policy: In accordance with federal law, this institution prohibits and does not tolerate discrimination towards applicants, prospective applicants, individuals with whom an applicant is affiliated, or customers on the basis of race, color, religion, national origin, sex, age, marital status, public-assistance status, exercise of rights under the Consumer Credit Protection Act, or other protected classification. This policy applies throughout the loan process, from prequalification to application, underwriting, closing, funding and servicing. For more information, please call the Compliance Department at 770.552.9840.
Don't own a vehicle? Carolina Payday Loans, Inc. offers payday loans as a fast and easy alternative to get the cash you need.
When you’re ready to get the emergency cash you need without all the hassles of a traditional loan,
Carolina Payday Loans Inc, has you covered. It doesn’t matter what has left you in need of cash,
because with a payday loan you could get up to $100 - $550 today.
You will be on your way to our store in no time since the call only takes a few minutes. All you need is the following items:
A Driver's License or Government Issued I.D.
A blank check from the active checking account in your name.
Your most recent pay stub.
We also welcome all credit, so fill out our online request form and get started now!