Where to Find The Online Payday Loans Columbia SC Offers

June 14, 2021 | Emma Frost

online payday loans columbia sc

Payday loans are an option worth considering if you need a few hundred dollars to cover an emergency expense.

Getting an online payday loan with Carolina Payday Loans, Inc. could be something worth looking into considering the simple process and convenient store locations all over the state.

How Do I Find Online Payday Loans Columbia SC Offers?

Carolina Payday Loans, Inc. has stores all over the state. If you’re looking for a payday loan in Columbia SC, click the link to find the address of one of our locations. You can also find our other locations or submit a quick cash online form, which will automatically be sent to your nearest location.

How Do I Qualify for Online Payday Loans Columbia SC?

Qualifying for online payday loans at Carolina Payday Loans, Inc. is pretty simple. There are only a few qualifying requirements, and the lender will do their best to accommodate your circumstances.

What’s asked from you is to provide 3 documents that prove you meet the base requirements:

  • A government-issued photo ID (or a driver’s license) – to verify your identity and legal age (you must be at least 18 to qualify for a payday loan in South Carolina).
  • Your most recent pay stub – it will act as proof of your ability to pay the loan off (if you can’t provide a pay stub, you might be able to use alternate proof of income).
  • A blank check from an active checking account in your name.

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How Long Does It Take to Get Approved for Online Payday Loans Columbia SC? 

Less than a day!

The entire process of getting in touch with the closest store should only take a few minutes – a couple to submit a filled-out form, and then a few more for the form to get processed.

After that, the longest you’ll have to spend on the process is the meeting with the loan representative, during which they will assess your documents. This could last as little as 30 minutes – and no longer than an hour.

If approved, you’ll get the cash the same day.

Can I Qualify for Online Payday Loans Columbia SC If I’m Unemployed?

Payday loans are unsecured short-term loans. As you won’t be putting an asset for collateral, providing proof of income becomes necessary to qualify for the loan. This proof of income is typically your most recent pay stub.

However, the inability to provide a recent pay stub as proof of income doesn’t mean you’re outright disqualified. If you’re able to provide the lender with alternate proof of income, proving you’re able to qualify for the loan even without being employed, you might still get approved.

Ask your loan representative about your options and about the documentation you’d need to provide if this is the case. Providing the correct documentation that the loan representative asks for is paramount to your loan eligibility.

Can I Get Online Payday Loans Columbia SC With Bad Credit?

Carolina Payday Loans, Inc. is open to all potential borrowers regardless of their credit situation.

This means you can apply and get approved for a payday loan, no matter what your credit looks like. It can be good, it can be bad, or it can be outright nonexistent – you still have a chance to get approved for the loan, as long as the qualifying documents you provide the lender are up to par.

Will My Credit Score Go Down If I Get Online Payday Loans Columbia SC? 

No! Payday loans won’t affect your credit score in any way – it will stay the same as before.

This is because Carolina Payday Loans, Inc. makes sure to keep its loan information well-protected. The loan information never gets reported to any credit agencies, and without credit agencies' involvement, it cannot affect the credit history in any way.

When thinking about online payday loans at Carolina Payday Loans, Inc., you can rest assured that the loan will remain entirely between you and the lender.

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How To Get Online Payday Loans Columbia SC Today?

If you’ve already gathered all the required items – the government-issued ID/driver’s license, the proof of income, a blank check from an active checking account in your name – and they’re ready to go, consider the hardest part done.

Now all you need is to submit the quick cash online form you’ll find on Carolina Payday Loans, Inc. and wait for the loan representative from your nearest location to call you.

They’ll provide further instructions, answer any questions you might have (now would be a great time to ask about alternative proof of income in case you’re unemployed!), and schedule a meeting with you.

Take all the required items to the meeting. The loan representative will need to assess your documents to determine if you qualify for the loan and how much cash you qualify for.

If they decide to approve you, you’ll finish the paperwork then and there – and get the cash on the same day!

Submit Your Online Payday Loan Form Today

If you’re looking for quick payday loans Columbia SC offers, you’ve come to the right place! Apply now and you could get up to $550 in cash before the end of the day!