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Emergency loans in Charleston South Carolina

Updated October 22, 2025 • 12 min read • 2,444 words
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Emergency loans in Charleston South Carolina.

When cash is needed in Charleston South Carolina, families can apply for emergency loans. There is assistance available from both private lenders as well as charities including community action agencies. Find where to get a loan in the Charleston SC community, including for people with bad credit or a low-income . It is possible to get a personal loan, or other funds, from a payday company, car title lender, pawn shop or other organizations. All of these places provide money for paying for car repairs, bills, housing, and other expenses. The interest rates on these emergency loans, no of which have no credit check, vary, so borrowers should explore all options. When it comes to private sector borrowing, which mostly includes payday lenders as well as title loan companies, they tend to come with higher interest rates. But they may offer loans without a credit check needing to be done, provided the applicant has an income. The state of South Carolina sets the maximum APR at 390%. These private lenders should only be used as a last resort as well as other online unsecured loan . Other options for households, whether they have poor credit, lack savings, and have other challenges includes charities or non-profits. Organizations including community action agencies as well as credit unions in South Carolina may provide emergency loans to assist with paying bills, those the money will be more targeted. All bills to be paid by these cash loans needs to be approved in advance, but the charity may approve expenses including a car repair for work or maybe missed rent payment.

Where to get loans in Charleston SC - including for bad credit or no credit check

1st Franklin Financial The address is 1890 Sam Rittenberg Boulevard Suite 116, Charleston, SC 29407. Call (843) 573-9980 1309 N Main Street Suite C, Summerville, v 29483, dial (843) 873-8384 8988 University Boulevard Suite 106, North Charleston, SC 29406, (843) 824-5550

ACE Cash Express

– This lender has the most locations in the County. They cash paychecks, provide salary advance as well as personal loans, and other financial services. They operate as a more traditional payday lender in the Charleston County area. This office is Dorchester Square Shopping Center, 4391 Dorchester Road Ste 150, North Charleston, SC 29405, dial (843) 566-0018 Village Square Shopping Center, 1604 Sam Rittenberg Boulevard, Charleston, South Carolina 29407, (843) 571-1827 2000 McMillan Ave Ste B, North Charleston, SC 29405. Call the center at (843) 747-7544

Advance America

– Products range from salary advances to title loans for cars. Borrowers can apply for a no or bad credit check loan too. North Pointe Plaza at 7400 Rivers Ave Unit R, North Charleston, SC 29406. This location is for North Charleston. Call (843) 818-2436 This payday loan company is in Aviation Square Shopping Center at 6035 Rivers Ave Ste. C, North Charleston, SC 29406. Call (843) 764-2516 Address is 1220 Ben Sawyer Boulevard Ste. T, Mt Pleasant, SC 29464. Call (843) 971-4092 1836 Ashley River Road Unit 5, Charleston, SC 29407. Main phone number is (843) 556-7430 Address is 1027 Folly Road Ste 2, Charleston, South Carolina 29412, main number is (843) 795-4360 134 Street James Ave Unit 1, Goose Creek, South Carolina 29445. Intake number - (843) 553-5632

  • check cashing site at 5101 Ashley Phosphate Road Ste. 115, North Charleston, SC 29418. Main number is (843) 552-9630

710 Bacons Bridge Road Ste. A, Summerville, SC 29485, (843) 871-4175 801-B North Main Street. Space B, Summerville, SC 29483, (843) 832-8685

Always Money

136 Street James Ave, Goose Creek, SC 29445, main number is (843) 820-1308 AmeriCash Loans – Everything from personal loans for paying bills to debt consolidation services are offered. 5635 Rivers Ave, North Charleston, SC 29406. Telephone number is (843) 308-6616 Main address is 1570 Sam Rittenberg Boulevard, Charleston, South Carolina 29407, (843) 573-8498

Approved Cash

1669-B Savannah Hwy, Charleston, SC 29407. Main phone number is (843) 573-0530

Auto Money Title Loans

The private lender address - 102 Red Bank Road a, Goose Creek, SC 29445, dial (843) 764-2536 705 N Main Street, Summerville, SC 29483. Main phone number is (843) 871-1791 2811 Ashley Phosphate Road, Charleston, SC 29418, (843) 793-4354 3720 Rivers Ave, North Charleston, South Carolina 29406, (843) 740-1120 Location - 5510 Rivers Ave, North Charleston, SC 29406, (843) 744-3776 Address - 1756 Savannah Hwy, Charleston, South Carolina 29407. For hours, dial (843) 766-6031 5075 Dorchester Road Unit 1, North Charleston, SC 29418, (843) 207-9230

Best Finance

1150 Queensborough Boulevard A, Mt Pleasant, SC 29464, dial (843) 881-3335

Big Bucks Pawn Shop

113 College Park Road, Ladson, SC 29456. Main telephone number is (843) 207-4312 Carolina Payday Loans, Inc. 320 Old Trolley Road, Summerville, SC 29485, dial (843) 832-3142 Address is 2606 Ashley Phosphate Road, North Charleston, SC 29418. Main phone - (843) 553-6263 3750 Rivers Ave a, North Charleston, South Carolina 29405, main phone -(843) 529-1276 Location is 1002 Savannah Hwy, Charleston, South Carolina 29407. Main number is (843) 571-5415 1963 Sam Rittenberg Boulevard, Charleston, South Carolina 29407. Main number is (43) 766-2379

Cash America Pawn

– Families can trade in jewelry, electronics, sell gold, and other items for money. Loans of up to $500 or more may be available, and this lender/pawn process is great for applicants with bad credit. 1208 N Main Street #102, Summerville, South Carolina 29483. Main number is (843) 821-4355 This emergency lender is in Brentwood Plaza at 4400 Dorchester Road #112, Charleston, SC 29405. Main number is (843) 744-1136 Brentwood Plaza. Address: 4400 Dorchester Road #112, Charleston, SC 29405. Call (843) 744-1136

Cash Credit Company

1316 Red Bank Road, Goose Creek, SC 29445, (843) 553-3409 Location is 1672 N Main Street, Summerville, SC 29483. Phone - (843) 486-0966

Cashwell Consumer Loans

– Charleston County families can apply for everything from debt consolidation loans to short term emergency cash, personal loans, and more for paying their bills. Money can also be applied to rent, medical needs, and even a vacation. 1812 Sam Rittenberg Boulevard Ste C-7B, Charleston, SC 29407, (843) 818-1310 Address is 7620 Rivers Ave #365, North Charleston, SC 29406. Main number is (843) 818-1310

Check Loans

1663 Savannah Hwy, Charleston, SC 29407, (843) 763-7770 3620 Ashley Phosphate Road, North Charleston, South Carolina 2941, (843) 760-6464

Check Into Cash

Main address is 2049 Savannah Hwy 1/ US 17, Charleston, South Carolina 29407, main phone (843) 556-5440 1625 N Main Street Suite 104, Summerville, SC 29483. Main phone - (843) 871-8400 Main address of the lender is 8510 Rivers Ave Suite G, North Charleston, SC 29406, phone (843) 553-8990 This check cashing branch is in North Charleston at 3748 Ashley Phosphate Road, North Charleston, SC 29418, (843) 767-5593 Check `n Go The outlet is in Wando Crossing, Address: 1485 N Hwy 17, Mt Pleasant, SC 29464, main number is (843) 881-0070 975 Bacons Bridge Road Ste 164, Summerville, SC 29485, call (843) 873-4330 8316 Rivers Ave Suite B, North Charleston, SC 29406, (843) 553-8989 Harrell Square- 2000 Sam Rittenberg Boulevard Ste 110, Charleston, SC 29407. (843) 769-5633

Classic Loans

420 Old Trolley Road, Summerville, SC 29485, (843) 871-7802

Covington Credit

5900 Rivers Ave v, North Charleston, SC 29406, main phone (843) 554-7919 Credit Central, LLC Location is 5900 Rivers Ave, North Charleston, SC 29406, (843) 554-5268 908 Bacons Bridge Road # 15, Summerville, SC 29485, main number is (843) 821-7543

Finova Financial

  • Meeting Street - 1st Floor, Charleston, SC 29401, (888) 358-4452

First American Cash Advance

Office address - 10150 Dorchester Road Suite 218, Summerville, SC 29485, main telephone (843) 871-3990 4400 Dorchester Road Suite 102, North Charleston, SC 29405. Call (843) 740-9110 for hours on this lender.

Gene's Jewelry & Pawn

– Trade in, or pawn, items for a short term, emergency cash loan. Main office address - 5818 Rivers Avenue # B, North Charleston, South Carolina 29406. Main phone - (843) 744-5744 117 N Goose Creek Boulevard, Goose Creek, South Carolina 29445, main number is (843) 818-4553

  • & B Check Cashing & Vending Outlet

4337 Spruill Ave, North Charleston, SC 29405, telephone number - (843) 554-6959

Lendmark Financial Services

The outlet is in North River's Market, 7800 Rivers Ave #1210-A, North Charleston, SC 29406, (843) 553-5724 Main address - 1662 Savannah Hwy #130, Charleston, SC 29407, phone (843) 628-1023

  • Davenport Street #3, Goose Creek, SC 29445, (843) 410-0862

Lenders Loans

5221 SC-165, Hollywood, South Carolina 29449, main phone number is (843) 889-3235 1703 Savannah Hwy, Charleston, South Carolina 29407, (843) 573-0703

Loan By Phone

– Various products are offered. Clients range from minorities to Spanish speakers, the disabled, and others. An emergency loan and other financial aid may be offered up to a few hundred dollars. Main address is 3748 Ashley Phosphate Road, North Charleston, SC 29418, telephone number (844) 335-5099

Loan Store

  • Sycamore Ave, Charleston, SC 29407, telephone number - (843) 769-9821

Main address - 899 Houston Northcutt Boulevard, Mt Pleasant, SC 29464, call (843) 849-8665

Money Man Pawn

– The largest pawn ship in Charleston County. Main address is 135 Farmington Road, Summerville, SC 29483, (843) 851-7296 2097 Savannah Hwy, Charleston, SC 29407. Call (843) 769-7296 This office is at 824 Folly Road, Charleston, SC 29412, (843) 762-7999 This pawn shop is at 1104 Johnnie Dodds Boulevard, Mt Pleasant, SC 29464. Main phone - (843) 971-0000 116 S Goose Creek Boulevard, Goose Creek, South Carolina 29445. Main number is (843) 797-1702

  • & G Center at 2000 McMillan Ave, North Charleston, SC 29405, (843) 744-6161

5251 Dorchester Road, North Charleston, SC 29418, (843) 552-3236

Lowcountry Pawn & Jewelry

Main address is 1738 Ashley River Road, Charleston, SC 29407, (843) 769-5500

National Finance Company

4365 Dorchester Road # 102, North Charleston, South Carolina 29405, (843) 554-7364

North American Title Loans

Location is 1910 Savannah Hwy Unit A, Charleston, South Carolina 29407, call (843) 573-9777 4945 Dorchester Road, North Charleston, SC 29418. Telephone number is 843) 767-9961 Location is 2625 Ashley Phosphate Road Unit A, Charleston, SC 29418, call (843) 572-0306 Main address is 6050 Rivers Ave, North Charleston, SC 29406, call (843) 308-6609 Location is 2625 Ashley Phosphate Road Unit A, Charleston, SC 29418, main phone number - (843) 572-0306

North State Acceptance

1904 Savannah Hwy #103, Charleston, SC 29407, (843) 212-3083

OneMain Financial

– A national, private lender. No credit personal loans, check cashing, and other services are available. They lend cash from an office at Aviation Square Shopping Center 6185 Rivers Ave a, North Charleston, SC 29406. Main phone - (843) 553-5868 Main address is 1836 Ashley River Road Ste K, Charleston, SC 29407, (843) 556-6556 1643 Savannah Hwy a, Charleston, SC 29407, (843) 766-1891 Located in Dorchester Crossing - 7550 Dorchester Road c, North Charleston, SC 29418, (843) 767-0997

Personal Cash Loans of SC Inc

5420 Rivers Ave, North Charleston, South Carolina 29406, (843) 554-7110 Main address is 4516 Ladson Road, Summerville, South Carolina 29485, (843) 875-7510 Main address is 1649 Savannah Hwy, Charleston, SC 29407, (843) 556-7600

Pioneer Credit Company

6185 Rivers Ave Suite D, North Charleston, SC 29406, main number is (843) 747-4001 1660 Sam Rittenberg Boulevard #8, Charleston, SC 29407, (843) 766-4660

Professional Financial Services

Main location is 5325 Park Forest Pkwy e, North Charleston, SC 29418, (843) 767-8038

Quick Credit

4365 Dorchester Road #109, North Charleston, SC 29405, (843) 566-0029

Regional Finance

1035 Johnnie Dodds Boulevard., Suite C-7, Mt Pleasant, South Carolina 29464. For information on bill paying programs, dial (843) 849-2279 Address is North River's Market - 7800 Rivers Ave Suite 1450, North Charleston, SC 29406. Phone - (843) 744-8113 Main location is 8600 Dorchester Road Suite 203, North Charleston, SC 29420. Phone: (843) 554-0600 Location is 1200 Sam Rittenberg Boulevard Suite B, Charleston, SC 29407. Call (843) 723-5105 1300 Savannah Hwy Suite 11, Charleston, SC 29407, (843) 377-0293

Republic Finance

9730 Dorchester Road Unit 205, Summerville, SC 29485, (843) 873-3645 Main address is Shannon Park Center Strip Mall - 214 Street James Ave Suite 150, Goose Creek, SC 29445, (843) 797-0783 West Ashley Shoppes Shopping Center - 946 Orleans Road #B-4, Charleston, SC 29407. Telephone - (843) 766-3163

Security Finance

960 Bacons Bridge Road #1, Summerville, South Carolina 29485, (843) 875-2296 Main location is 542 King Street, Charleston, SC 29403, call (843) 577-3220 Address is 1599 Sam Rittenberg Boulevard # C, Charleston, South Carolina 29407, call (843) 852-2877 SnapCap 701 E Bay Street #414, Charleston, SC 29403. Main number is (800) 843-0130

Southern Finance

Main location is 119 E 4th N Street Suite B, Summerville, SC 29483, (843) 851-0462 This private lender is at West Ashley Shoppes Shopping Center. Call (843) 571-0034 1220 Ben Sawyer Boulevard Suite P, Mt Pleasant, SC 29464, (843) 884-6195

TitleMax Title Loans

– Titles for car, SUVs, vans, and other transportation can be accepted. Cash is given for the title, and then one the loan is paid off, the arrangement ends. 425 US-17 BYP, Mt Pleasant, SC 29464, (843) 856-1878 Main address is 100 Miles Road, Summerville, SC 29485. Phone: (843) 873-0499 Location is 5973 Rivers Ave, North Charleston, South Carolina 29406, telephone number - (843) 529-3643 Main address - 1738 Savannah Hwy, Charleston, SC 29407, (843) 763-0044 Location - 1735 Sam Rittenberg Boulevard, Charleston, SC 29407, (843) 852-9610 Main address - 761 Folly Road, Charleston, SC 29412, (843) 795-2412 Main address: 114 Street James Ave Suite A, Goose Creek, SC 29445, (843) 553-8022

World Finance

4365 Dorchester Road Ste 106, North Charleston, SC 29405, (843) 554-8400 Quadrangle at 630 Skylark Dr Ste C, Charleston, SC 29407. Main number - (843) 571-3400 472 Meeting Street Ste B, Charleston, SC 29403, (843) 722-2966 5900 Rivers Ave Unit J, North Charleston, SC 29406, main phone - (843) 554-1252 205 N Goose Creek Boulevard Ste 104, Goose Creek, South Carolina 29445. For hours, dial (843) 797-3920 1525 Old Trolley Road Ste D, Summerville, South Carolina 29485, (843) 871-9760 Main address of the lender - 1220 Ben Sawyer Boulevard Ste Q, Mt Pleasant, SC 29464. Telephone - (843) 881-9934