Do You Need Emergency Cash in Charleston?
An OppLoans Guide to Getting The Help You Need

There’s a lot of beauty to be found in Charleston, South Carolina. There’s parks, cobblestone streets and pre-Civil-War-era homes. But as beautiful and historic a city as Charleston is, there are still people living there that struggle financially. Many Charleston citizens wonder how they’ll pay all the bills, or find affordable health services. Luckily, the city of Charleston has programs that can help.

Getting Help in Charleston

There are many people living in Charleston that aren’t sure where their next meal will come from, or how to get the financial assistance they need. Whether it’s homeless services, temporary cash assistance or senior services that you require, look no further than the following financial resource guide for Charleston.

Homelessness Resources


Having a home is a luxury that not everyone in Charleston has. But even if you can’t afford to buy a home, that doesn’t mean you should be restricted to a life on the street. For anyone in Charleston who needs a warm bed and a hot plate of food, the list of resources below may help.

Star Gospel Mission is a non-profit organization that provides transitional housing for men along with food, clothing, rental assistance and more.

SciWay is a site that offers a thorough list of Charleston County soup kitchens and shelters for the needy.

Charleston Homeless Shelters & Services for the Needy can be found in a comprehensive list at

Temporary Assistance

Temporary Assistance

Needing a little help paying the bills is nothing to be ashamed of. We could all use a helping hand sometimes. It’s not cheap to keep the heat running, or the water from getting shut off. But these things are essential. For helpful resources on cash assistance in Charleston, check out the list below.

Hands on Health South Carolina offers a list of financial assistance services for the City of Charleston. has a long list of available South Carolina government benefits including cash assistance and nutrition programs.

South Carolina Department of Social Services offers the Temporary Assistance for Needy Families program to provide cash assistance to those in need in Charleston.

Substance Abuse Services

Substance Abuse Services

People in Charleston don’t have to settle for a life of addiction and substance abuse. Yet all too often they do. For anyone living in Charleston that isn’t sure where to get the counseling, treatment and detox that they need, the following substance abuse resources can help.

Medical University of South Carolina Institute of Psychiatry has a Center for Drug and Alcohol Programs including interventions and inpatient care.

Free Drug Rehabilitation Programs in Charleston are listed at along with all contact information.

South Carolina Department of Alcohol and Other Drug Abuse Services focuses on prevention, intervention and treatment.

Senior Services

Senior Services

Senior citizens in Charleston deserve the care and attention that they need to continue living fulfilling lives. There are plenty of senior centers, senior activities and wellness options for anyone 60+ in Charleston. The list below can help seniors find the services and programs they need.

Charleston Area Senior Citizens offers community services, financial support services and in-home support services for the elderly in Charleston.

South Carolina Lieutenant Governor’s Office on Aging offers information on aging and disability resource centers, insurance and legal services for seniors.

Right At Home offers in-home care and assistance, transportation, safety supervision and cognitive stimulation.

Borrowing Money in Charleston

Cash loans are another option if you need assistance in Charleston. There are many ways to get the cash you need when you need it. Many lenders will even loan money to people with poor or no credit. But make sure you know what to watch out for when shopping for your loan. Predatory lenders are out there and they hope to trap consumers into long cycles of debt in order to make more money.

Payday Loans in Charleston

Payday Loans in Charleston
One of the most costly loans available.

If you’ve heard of payday loans then hopefully you’ve also heard that they’re very risky. These predatory loans can be found online or in person through many types of storefront locations. They promise speedy and convenient cash with little hassle. And while they may be able to put quick cash in your pocket, they may also put you in deeper debt.

Getting a payday loan in Charleston is easy. Most people can get one, even with poor credit. Typically, you’re required to give the lender a post-dated check for the amount you’re borrowing plus interest and additional fees. The lender will then give you a cash loan, and deposit the check you provided on your next payday to make back their money. But the high fees and interest rates make it very difficult to pay them back.

In South Carolina the maximum loan you can get is $550, with a maximum term of 31 days. Lenders are allowed to charge 15% of the loan amount as a finance charge. This means for a $100 loan lasting two weeks the APR is 390%.(1) This is an outrageously high interest rate. Many people get stuck in a cycle of debt from not being able to afford the payment.

When considering all the aspects of payday loans in South Carolina, it’s easy to see how harmful they can be. If you feel you’re being taken advantage of by a predatory payday lender, contact the South Carolina Board of Financial Institutions for information.

Title Loans in Charleston

Title Loans in Charleston
Losing your vehicle for quick cash isn’t worth it.

Having a car makes life in Charleston a lot more convenient. After all, how else would you get to work, school or the store? It’s safe to say that losing your vehicle would make life pretty difficult. This is the risk that you run when you take out an auto title loan in Charleston.

Getting an auto title loan is almost too easy, as long as you own a vehicle. All you have to do is provide your vehicle’s title to the lender and you’ll receive a cash loan for a portion of the vehicle’s value. Title loans in South Carolina usually only last 30 days. At the end of the repayment period you owe the lender the amount you borrowed plus interest and fees, which in Charleston can be as much as 300% APR.(2)

If you aren’t able to repay the loan, they may allow you to extend it, and charge you additional fees and interest. This is how people get trapped. And if you still can’t pay after a certain amount of time the lender is allowed to take away your vehicle and sell it to make their money back.

No one wants to lose their vehicle for some quick cash. If you do some research you’re likely to find a safer alternative that won’t risk your car, truck or motorcycle. If you’re currently dealing with a troublesome title loan, the South Carolina Board of Financial Institutions may be able to offer some answers.

Pawn Shops in Charleston

Pawn Shops in Charleston
Don’t risk your belongings for speedy cash.

If you live in Charleston, you’ve no doubt seen a pawn shop or two. Perhaps you’ve even browsed around for some interesting and vintage items. Pawn shops can be a fun place to look around or even to sell items you no longer need. They also offer small-dollar cash loans, but these can be a risky option if you’re in need of fast cash.

Getting a pawn shop loan in Charleston is very similar to getting a title loan, but the amount you get will be much less. To get the loan you’ll offer the pawn shop a valuable item. They hold onto your item and give you a small cash loan for a fraction of what it’s worth. Then once you pay it back, you get your item back. But you may not get it back at all if you can’t afford the interest and fees that come with the loan.

For pawn shop loans up to $50 in Charleston, the maximum finance charge is $2.50 for every $10 borrowed.(3) While this is less interest than some other personal loans, it can still stack up quickly. And you’ll still be paying back more than you borrowed, while also risking the loss of a cherished belonging.

Personal Installment Loans in Charleston
The terms and rates you want from a personal loan.

If you’re a resident of Charleston looking for a cash loan, look no further than OppLoans. We’re not a payday or title lender, and don’t require any collateral for our personal installment loans. Our loans are safer and more affordable.

OppLoans’ offers better terms, ranging from 6 to 36 months, lower interest rates — usually 70-125% less than other personal loans — and fixed-rate payments so you know what to expect. Loan amounts range from $1,000 to $10,000, so you’re sure to find one that meets your needs.

OppLoans always delivers fast, flexible, fair and five-star service:

  • Fast: Apply online and find out if you’re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Flexible: We offer longer terms, larger loans, and affordable, fixed payments. Your monthly payment will be the same throughout the life of the loan.
  • Five-Star: Customers rate us 4.9 out of 5 stars for our friendly service. We also provide discounts for credit education.

Opploans offers safe and strategic personal loans to help you improve your financial life. If you have less-than-perfect credit and need money now, apply online or call us at (800) 990-9130, Monday – Friday 7am to 7pm, or Saturday 9am to 4pm central time.


  1. “Payday Loan Consumer Information” Consumer Federation of America. Accessed March 11, 2016.
  2. “Auto Title Loans and the Law” South Carolina Appleseed Legal Justice Center. June, 2010. Accessed March 11, 2016.
  3. “50 State’s Pawn Shop Interest Rates & Statutes” Online Pawn Shop Consumer Reports. Accessed March 11, 2016.

*OppLoans is not affiliated with any of the programs, services or organizations referenced on this page.

Need a Loan? Live in South Carolina?

Need more to help you through a difficult financial situation? Opportunity Loans offers a range of cash loans in South Carolina to suit different personal lending needs and help you get back on track.

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Let’s Talk Details

Our goal is to provide the most flexible and affordable loan based on your personal financial needs. We will never charge a pre-payment penalty and your payment amount will always be fixed throughout the life of your loan. In addition, our loans never have origination or application fees. Of course, we also have to work within the boundaries of all applicable state and federal regulations.


Costs and Terms of a Typical Installment Loan in the State of South Carolina

Loan AmountRepayment TermAPR
$601-$4,0009-24 Months125%-199%

Governing Law

If you have questions or concerns about your loan, please contact the Opportunity Financial Customer Support Team by phone at (800) 990-9130, Monday-Friday, 7 a.m.- 7 p.m. Central Time, or by sending an email to: If we are unable to address your questions or concerns, you can also contact your state regulatory agency:

Consumer Finance Division South Carolina
3rd Floor, Edgar Brown Building
1205 Pendleton St.
South Carolina, SC  29201
Assistant Commissioner of Consumer Finance, Jim Copeland
Assistant Commissioner of Consumer Finance, Carl Jeffcoat
Administrative Assistant, Veronica Dale

Consumer Rights and Responsibilities

View our South Carolina License

View our South Carolina Maximum Rate Schedule

View our Credit Grantor Notification

See more local South Carolina guides, and learn more about loan options in South Carolina.