3 Month Payday Loans in South Carolina: up to $100-5000


How it works?

In the event that you found yourself in a difficult financial situation in South Carolina wanted urgent alternative in the kind of a payday advance? You have chosen the ideal approach to address all of your financial problems with our payday advance loans! You will find for simple steps to find 3 month payday loan fast.

Know your situation

Before going to apply for the payday loans in South Carolina first, you should know your current circumstance. It is the best option for the brief term loans to satisfy the vital expenses.

Choose amount you need to borrow

You should to choose which amount you want to address your financial circumstance. We provide 3-6-12 month payday loans from $100 up to $2500.

Fill out application form

Entire our basic online application. The application is brief and protected. You may need your cellular phone useful to receive our validation code.

Get your payday advance

Receive your cash directly to your account. Solve your own problems. It's fast and simple to find cash in South Carolina.

Apply Form for Payday Loan

You are in a few minutes to get your money.

What's 3 Month Payday Loans?

Short cash advances have become the major choice for people with bad credit. When most banks and official financial intuitions don't give urgent financial aid, borrowers have nothing to do but to opt for more flexible options in the face of 3-month payday loans. They don't demand detailed credit checks in South Carolina. They're fairly straightforward to acquire. Moreover, such cash advances appear to be a fantastic way to improve the credit rating to the future.

3-month payday loans in South Carolina are becoming fairly popular with clients who need urgent cash right here and right now. The name of the cash advance speaks for itself. The term to plead is three month although there are a few additional variants for example 6 and 12-month loans. The service is very new to both beginners and professional borrowers.

For this reasonthis guide is to highlight the main issues in addition to pros and cons related to these advances. But, we're still to say that such loan types are certainly worth mentioning, as more and more people can take advantage of them.

Why People Are Opting For 3 and 6 Month Payday Loans in South Carolina

Imagine yourself with a steady job and great enough monthly salary not to live from hand to mouth. Sounds exciting, doesn't it? However, what should one do if he or she runs out of cash before the salary ? What if you have your back against the financial wall someplace in the center of this month? Would you ask for help from your relatives or friends? Hardly. 3-month payday loans may appear to be a better alternative.

The reasons to opt for them might differ. They might not only be related to cash troubles. We should take into account their flexibility too. Let us review a few of the most well-known reasons why people have a tendency to choose 3-month payday loans.

Hint #1 -- More Time to Repay

That's right. Generally, a debtor in South Carolina hasn't more than 14-31 days to pay the invoices. Sometimes it isn't enough while every delay ends in extra fees. A client finds him or herself in the financial trap. The problem with 3 or 6-month payday loans is quite different. You have loads of time to refund and to conduct a payment schedule depending upon your monthly earnings. Summing up, a longer repayment period is one of the key reasons to choose such kind of cash advances.

Hint #2 -- Cheap Loan Cost

This one applies not to all creditors of firms. However, as a rule, the APR rate is a little lower in comparison to conventional payday loans. In other words, a client may feel more relaxed with the payments, as we are not dealing here with bonded financial services that mainly rely on borrowers' second wage. In addition, the APR rate is smoothly divided throughout the whole repayment period that may vary from 3 to 12 months.

Reasons #3 -- Greater Loan Amount

The more is the payout period, the more cash you may get. In other words, 3-month payday loans in South Carolina allow clients apply for more cash if compared to conventional cash advances. We'll explore this particular issue a bit further signaling the exact sums depending on particular problems.

Reason #4 -- Negotiate the Loan

3, 6 or 12-month payday loan lenders are always open to negotiate the terms of the arrangement before or even after singing it. There is always a chance for the client to count on the extra expansion of the payout period. All you will need is to have a clear and worthy motive for not having the ability to repay on time.

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How can 3&6 month payday loans work?

There is not any critical difference between 6, 3 or 12-month payday loans. The most important difference is the repayment duration while the prerequisites are actually exactly the same. For instance, an applicant should have a stable job for at least 90 days in exactly the same firm. Generally, clients can apply for $100-$5000 depending upon the company.


The major point is that you are able to pay by a moth using three equal components to refund in South Carolina. The amount will be divided into three equal components that include all commissions and the APR rate. In other words, here we have 3 installments that are manageable. Great news is that you will have a while to get ready for the first payout. With such a schedule, it's much easier for the borrower to cover the debt.


These are cash advances for men and women who require up to 180 days repaying in South Carolina. The regulations regarding these loans are pretty tight especially concerning commissions. On the 1 hand, the government tracks the process of providing financial services. On the other hand, customers are protected from unfair businesses.


It is yet the longest cash advance client may access or even contemplating conventional loans. Generally, it takes approximately 20 minutes to the creditor in South Carolina to review the application and approve it. Sometimes, the procedure may take up to 24 hours while the necessary amount is moved instantly.

How much can 3-month payday loans cost in South Carolina?

As it had been stated before. Long cash advances are among most tightly regulated. For clients, it means no hidden fees or extremely significant APRs. The cost will be dependent on the amount you actually borrow.

The Repayment Program

Let us say, you want to borrow $100 for the 3-month period. In cases like this, the loan will probably consist of 3 installments. The calculations are fairly simple, as the entire amount is divided into three manageable sections of 51. As a result, you'll have to refund $151, where $51 is the loan cost including all of the charges and APR prices. Such clarity functions fine for people who want to plan their own spending ahead. Moreover, there's a decrease chance of missing the deadline.

Benefits and drawbacks of 3-month short-term loans

While the demand in cash advances is growing rapidly, more and more businesses offer their services. There is always the risk of coming across unfair creditors but such kind of cash advance is regulated. At exactly the same time, you will need to be 100 percent sure, you'll be able to refund while the prerequisites are a bit stricter in comparison to fast cash advances. It all contributes in some major 3-month payday loan hits and misses.


  • They feature a longer payout period.
  • They feature a longer payout period.
  • They're available online.
  • The regulation is tighter.
  • No hidden fees and crystal clear pricing.
  • The loan is dependent upon your monthly premiums, making it much easier to repay.
  • The approval doesn't take a lot of time.
  • No credit check.


  • Strict requirements to meet (you will need to work three or more months with the same employer with enough salary to employ ).
  • You'll have to refund a 150% greater amount in comparison to the loan.

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A Poor Credit Rating Does This Affect Your 3 Month Loan Application?

Just like in the situation with other popular kinds of cash advances, South Carolina 3-month loans don't rely on the client's credit score. First of all, you are free to utilize the cash that you get on any objective. It doesn't really matter how you are going to utilize them.

At the same time, lenders don't check your credit score. They're more concentrated on your salary rate in addition to working experience and job. For this reason, the prerequisites are generally the same as with other payday loans. The applicant must be over 18 and possess US-based citizenship.

Furthermore, he or she should have a permanent place of work in the same company or business for at least 90 days. The loan doesn't apply to people who were recently fired. Other loans won't affect the decision too. You should note that the rule may differ from company to company. You should check your state authority and terms established by some of your regional lenders.

Loans you can pay back monthly with bad credit in South Carolina

Repaying on mainly basis is obviously better for the debtor instead of covering the debt 14 days after accessing necessary cash. This one especially refers to people with bad credit. However, for a while a lousy score is no more an obstacle when obtaining financial aid. Below are a few major loan types that might be paid back on a monthly basis.

Installment Loans

When you get those particular services, you will generally have to pay back a string of routine and fixed installments. Regardless of the truth they are offered for people with terrible credit, the repayment period may be extended up to 7 years depending on particular problems. Good news is that a borrow nevertheless has a chance to negotiate the terms with the creditor.

Short-Term Loans

Also known as short-term funding, this kind of cash advance can generally help whenever you want to cover urgent expenses such as home or car repair, vacation, etc.. Though most lenders provide them on two or three-week basis, the period may be extended up to 6 months making them a fantastic option to pay month after month.

Credit Card Loans

It may barely be a fantastic alternative to other kinds of loans, although it's worth consideration. The most important problem about credit card loans is the APR rate and commissions. They're supposed to be the most expensive for the borrowers. On the other hand, one would hardly argue they are extremely convenient featuring extended repayment period up to years. You invest as much as you want and refund on a monthly basis using commission-free intervals and other special supplies depending upon the issuer.

Which Are South Carolina Online Loans with Monthly Payments?

How many times have you had your back against the wall due to lack of cash? Financial stumbling blocks always come suddenly. Instant loans are the sole tool to get ready for any emergency if you want to pay the rent, cover another debt or have to pay for the education. The term"instant loans" means instant access to a necessary amount. The key characteristics are as follows:

  • Online accessibility and quick approval.
  • Instant decision and cash transferred into your account.
  • Quick repayment and flexible schedules.

It is all about speed and convenience. At the same time, we should not forget the vital benefit, as instant lending works good for people with bad credit too.

Online Installment Loans

Online installment loans are probably the only alternative for people who crave for quicker access but don't want to refund 1 debt at one time. In other words, here we have a more flexible financial service using a stick payout schedule on a monthly basis. You always know when and how much you have to pay depending upon your salary. The key attributes are as follows:

  • Manageable monthly installments and flexible period.
  • Higher loan amount to get even with bad credit.
  • The speedy decision on your application and instant cash transfer.

Bad Credit Loan with Monthly Payments

All the above-mentioned really refer to this kind of loans. They comprise different cash advances both online and offline that are not provided by conventional banks. The prerequisites might count on the leader. However, the company mainly reviews monthly wage, working experience, and other crucial variables instead of assessing the credit. Generally, you have to refund twice or once in 14-31 days.

Online Loans with Monthly Payments

These are just those kinds of cash advances that are reimbursed monthly. They comprise 3, 6 or 12-month loans in addition to installment credits and some of the short-term loans too. They also don't rely on the credit rating but comprise a more flexible paying schedule together with the entire amount of 150% by the initial sum to repay. Hey usually have the lowest APR and no additional fees or commissions.

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