Beaufort, SC · South · Allowed
Payday loans in Beaufort
Beaufort is governed by South Carolina's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in South Carolina. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Beaufort
13,445 residents · Beaufort County Median household income is $42,630 — below the South Carolina median of $47,139.
5 storefront locations of 5 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1st Franklin Financial Installment Loans | 330 Robert Smalls Pkwy Ste 5, 29906 | (843) 770-9990 | Mon 8:30 AM - 5:30 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans | 22 C Robert Smalls Pkwy, 29906 | (843) 770-0310 | Mon 10:00 AM - 6:00 PM · hours vary |
| Beaufort Cash Advance Installment Loans | 2303 Boundary St Ste 7, 29902 | (843) 379-6133 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Lendmark Financial Services Business Financing, Installment Loans, Auto Loan Providers | 274 Robert Smalls Pkwy Ste 240, 29906 | (843) 593-0815 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Sunbelt Credit Installment Loans | 2121 Boundary St Ste 106, 29902 | (843) 524-2800 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the South Carolina page before visiting. Spot an error? Report it.
The online route in Beaufort
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in South Carolina follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the South Carolina regulator.
The rules behind the numbers
Deferred presentment service agreements are short-term loans and are not intended to solve long-term financial problems.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 391% APR. Every compliant lender in Beaufort has to fit inside that schedule.
Statute: S.C. Code Ann. § 34-39-110 et seq.
Regulator: South Carolina State Board of Financial Institutions · bofi.sc.gov
Questions people ask in Beaufort
Are payday loans legal in Beaufort, SC?
Yes. Storefront payday lending is permitted across South Carolina, and Beaufort runs under the same state rules: maximum loan $550, fees capped at 15% of face value of check ($15 per $100). A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Beaufort?
The same as anywhere in South Carolina: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Beaufort?
5 storefronts are listed in Beaufort in our 2022-02-20 directory snapshot (5 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Beaufort?
Complaints about a lender go to the South Carolina State Board of Financial Institutions (bofi.sc.gov) — keep the loan agreement and every fee disclosure you were given.