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

North Charleston is a beautiful city with parks, golf and performing arts centers. It’s the third largest city in South Carolina and while there is always a lot to do, it faces the same problems of any other large city. Homelessness, foreclosure and substance abuse are real problems that many residents of North Charleston face each day. Fortunately there are non-profit and government programs to help those in need.

Getting Help in North Charleston

Achieving financial independence can be a long and arduous process. It takes discipline and will power to get your finances in shape. In the meantime, if you need a little help paying the bills, finding health services or even providing food for your family in North Charleston, the list of resources below can provide some assistance.

Homelessness Resources

Homelessness

Owning and maintaining a home in North Charleston is not easy. Many people simply don’t have the funds to do so. And some people have bought homes, but are now in danger of losing them through foreclosure. If you need shelter, food, clothes or other supportive services in North Charleston, the list below can point you in the right direction.

One80 Place is a non-profit in North Charleston that offers a community kitchen, a shelter for women and children and health care services.

Hands on Health South Carolina offers a list of available homeless shelters in North Charleston along with addresses and contact information.

North Charleston Homeless Shelters & Services for the Needy are listed at length through HomelessShelterDirectory.org.

Temporary Assistance

Temporary Assistance

Keeping up with all the bills can be difficult. But it’s important to have heat and electricity. For anyone in North Charleston who isn’t sure how to pay the bills this month, there are programs designed to help. Check the list of resources below for temporary cash assistance in North Charleston.

South Carolina Department of Social Services offers a family independence program known as the Temporary Assistance for Needy Families program.

North Charleston Emergency Repairs Brochure has information for fair housing and assistance with rent and mortgage payments.

Government Benefits available to citizens of North Charleston, including cash and food assistance programs, can be found at WelfareInfo.org.

Substance Abuse Services

Substance Abuse Services

Residents of North Charleston shouldn’t have to settle for a life of substance abuse and addiction. Substance abuse can ruin more lives than just that of the addict. Citizens of North Charleston who are stuck in the vicious cycle of addiction need a way out. Luckily there are services that can help.

Charleston County’s Department of Alcohol and Other Drug Abuse Services offers inpatient and outpatient services to battle addiction.

Hands on Health South Carolina has a thorough list of drug and alcohol treatment centers and services in North Charleston.

Medical University of South Carolina offers a wide variety of clinical services like inpatient programs, individual outpatient treatment and interventions.

Veterans Services

Veterans Services

America’s veterans deserve to be taken care of when their tour of duty ends. It’s important for government and non-profit organizations to help veterans with health services, education benefits and PTSD counseling. Check the list of resources below for veteran’s services in North Charleston.

Charleston Vet Center is available to veterans in North Charleston to provide information and assistance in finding and applying for benefits.

South Carolina Division of Veterans’ Affairs manages the South Carolina Free Tuition Program and administers the South Carolina Military Family Relief Fund.

Charleston County Veterans Affairs assists vets and their dependents in applying for available benefits.

Borrowing Money in North Charleston

For anyone living in North Charleston who feels like there’s no way out of their financial rut, it may be time to consider a cash loan. There are a number of different options for loans in South Carolina. But be careful when shopping around, because many of these options are very expensive and dangerous. Predatory loans are out there, and they usually lead borrowers into deeper debt than they are in when they take out the loan. Learn what to watch out for before agreeing to any cash loan in North Charleston.

Payday Advance Loans in North Charleston

Payday Advance Loans in North Charleston
Unfair rates and terms lead to a rather risky loan.

Becoming financially independent is not easy. Many people are living paycheck to paycheck without any savings to help in times of need. When unexpected expenses arise some people turn to payday loans. However it’s wise to stay away from these costly and dangerous loans. You could end up in a worse situation than you were before.

To get a payday loan in North Charleston you’ll be required to provide a post-dated check to the lender for the amount you want to borrow plus interest. The lender then provides you with a cash loan, and deposits your check on the due date — usually 14-31 days from taking out the loan — to get their money back. But because the interest and fees are so high, you might not be able to pay the loan back. This is how people get trapped in debt.

In North Charleston, the largest payday loan you can get is for $550, with a maximum repayment period of 31 days. As far as interest goes, lenders are legally allowed to charge 15% of the loan amount. This means taking out a $100 loan for 14 days will leave you paying 390% APR.(1) So no matter how much you borrow, you’re going to owe much more on the due date.

Payday loans in North Charleston are predatory, plain and simple. They prey on low-income families and individuals in order make money by trapping them in cycles of debt. If you have questions or concerns about a payday loan in North Charleston, contact the South Carolina Board of Financial Institutions.

Auto Title Loans in North Charleston

Auto Title Loans in North Charleston
You might lose your car through these costly loans.

The appeal of fast and easy cash can cause people to do some pretty unsafe things. Taking out a title loan is one example. Title loans prey on low-income individuals who own vehicles, with promises of cash for little hassle and usually no credit check. But think twice before agreeing to one of these dangerous, predatory loans.

The process for obtaining a title loan in North Charleston is not too complicated. If you own a car, you can use it as collateral to secure a cash loan. The amount you get will be based on your vehicle’s value. You give your title to the lender, and they give you cash. Once you pay back the loan, your title will be returned to you. But paying back the loan is not very easy to do.

In South Carolina title loans usually only last about 30 days. And the interest rate on your loan in North Charleston could be as high as 300% APR.(2) It can be difficult to pay back such a large amount of money in only 30 days. And if you aren’t able to pay off the loan, the lender may seize your car, truck or motorcycle and sell it to recoup the loss.

There are so many safer ways to get cash in Charleston that don’t involve using your vehicle as collateral. If you’re stuck with a risky title loan and you have questions, feel free to contact the South Carolina Board of Financial Institutions for answers.

Pawn Shop Loans in North Charleston

Pawn Shop Loans in North Charleston
Keep your belongings and find an alternative loan.

Pawn shops are one of the oldest types of businesses around. They’re basically the modern-day version of trading and bartering. You can find unique valuables from many different walks of life. Pawn shops also offer small, collateral-based loans. But you’d be wise to avoid pawn shop loans, as they aren’t a very safe way to borrow money.

In order to get a pawn shop loan you’ll be required to use a valuable item as collateral. Once you hand over the item the pawn shop will evaluate it and offer you a loan based on it’s worth. Once you pay back the loan your item will be returned to you. In North Charleston, pawn shop loans up to $50 can carry a maximum interest of $2.50 for every $10 borrowed.(3) That might not sound like a lot, but it can add up faster than you think.

If you aren’t able to pay back the loan, the pawn shop will sell your item in order to recoup their losses. On top of that, you probably won’t get very much in the first place, depending on the item you’re using as collateral. Which means pawn shop loans might not be the best option for emergency situations.

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

North Charleston residents seeking quick cash loans should be wary and avoid the scams. With so many predatory lenders out there, it’s hard to know where to turn. But OppLoans can provide the safe, flexible and affordable loan you’ve been looking for.

Our personal installment loans offer you better terms ranging from 6 to 36 months, lower interest, usually 70-125% less than other personal loans, and fixed-rate payments. Loans range from $1,000 to $10,000, so you can find the best option for your situation.

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 credit-building personal loans that help you finally take control of your finances. If you have less-than-perfect credit and you need a cash loan, apply online or call us at (800) 990-9130, Monday – Friday 7am to 7pm, or Saturday 9am to 4pm central time.

References:

  1. “Payday Loan Consumer Information” Consumer Federation of America. Accessed March 11, 2016. https://www.paydayloaninfo.org/state-information/48
  2. (2) “Auto Title Loans and the Law” South Carolina Appleseed Legal Justice Center. June, 2010. Accessed March 11, 2016. https://scjustice.org/wp-content/uploads/2013/04/auto-title-loans-and-the-law1.pdf
  3. (3) “50 State’s Pawn Shop Interest Rates & Statutes” Online Pawn Shop Consumer Reports. Accessed March 11, 2016. https://www.pawnshopsonline.info/state-regulation-interest-rates-comparisons/

*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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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.

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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: apply@opploans.com. 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
803-734-2020
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.