Even with the most detailed budget in place, an unexpected financial emergency can throw your plans into a tailspin. Those who are living paycheck to paycheck in South Carolina may have it a bit harder. With the right personal loan, you can repair your car, make a down payment on a new apartment, or pay bills a month in advance while you use what you currently have. Whatever your situation, OneLoanPlace.com has a solution just as unique as your situation. Apply today and find out how to take control of your financial future.

For those who have taken their freelancing opportunities or passion projects and turned them into a business, we have business loans that can service you as well. Our professional team at our finance center will personally guide you through the process after you submit your application to ensure you are receiving up-to-date and accurate information. OneLoanPlace.com has a vision to become the premier lending solution for South Carolina residents who are looking for funding of any kind.

Don't wait until a small financial emergency becomes a disaster before applying for a loan. There are other options to take advantage of that may delay your outstanding debt and allow you to use your current finances to deal with your day-to-day expenses. Our debt negotiation offers allow you to clear up the obligations you have now so you can make room in your budget later. Before you apply for a loan, we also offer a credit score service which allows you to review your credit report and make an accurate decision regarding the type of lending solutions that will fit your situation.


Benefits for Borrowers in South Carolina

OneLoanPlace.com connects with a wide network of lending partners in South Carolina who offer financial solutions that are redefining the way individuals and lending partners interact. Our system is constantly update to keep the process secure, transparent and efficient. We combine powerful Internet tools and excellent customer service. The time from your application to your approval could take as little as three business days — the final date of availability is determined by each client's banking institution.

Borrowing money online is a lot more convenient than walking into the bank, and now it is just as secure. Here at OneLoanPlace.com, we understand that your private information is valuable. We do not take any proprietary information over the phone and our online portal is secured to guarantee your security. When it comes to getting the money or financial services you need, we want you to feel confident that your privacy is our top priority.

Instead of applying to multiple lending partners across the internet and risking a series of hard pulls on your credit, our process allows you to review all of your offers at once. This makes it easier to compare interest rates, lending terms, and financing costs before agreeing to move forward with a particular lender. Since our lending options are relatively competitive, we provide each client with the right tools and information to make a confident lending solution work best for his or her personal finance goals.

South Carolina Regulations and Laws Regarding Loans

The same lending regulations apply for both South Carolina storefronts and online locations, so we aim inform all of our clients about the laws that are meant to protect them from predatory lending partners. In South Carolina, the maximum for credit debt is set at 8.75 percent and with the right combination of necessary requirements you can apply for a loan with OneLoanPlace.com. Our lending criteria than mainstream banks. So as long as you are able to manage the loan repayments you can apply for a loan.

  • General Interest Rate - The legal maximum limit on a loan is 8.75%.
  • Personal Loan Rates - A lender cannot charge more than 15% of the value of the check.
  • Personal Loan Terms - No more than 31 days. With a maximum loan amount of $500 for most short term loans.

Apply for a Loan in South Carolina
2355 Centerville Rd. Box 14348,
Tallahassee, FL 32317
USA

Loan Option disclosure:


Disclaimer: The operator of this website is not a lender and does not make credit decisions. This website offers a service that attempts to connect potential borrowers, with available offers, based on on self reported information. By submitting your information through this site, you consent to having it shared with third parties for the purpose of facilitating your request. All financial products and services are presented without warranty and providing your information on this website does not guarantee an approval with said products or services. Pre-qualified offers are not binding. Terms, conditions, and policies vary by product, service, state, and your particular financial situation. It is the user's responsibility to read all third party disclaimers and restrictions before proceeding.

APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. Offers on this site have repayment terms from twelve to a maximum of eighty-four months, and an annual percentage rate (APR) ranging from 5.74% to a maximum of 35.99%.

For example, if you took out a $30,000 loan on a 20% interest rate. The total payback would be $36,000 making the yearly interest amount $6,000. The APR is the percentage of interest paid for the entire year plus additional fees and costs.


Here is an example of the cost of a loan for a person with an excellent credit profile:
If you take a $10,000 loan for a five year term at 8% interest rate with a 3% origination fee, you would receive $9,700 ($10,000 less the $300 origination fee) and would make sixty monthly payments of approximately $202.76 which equates to an APR of 8.69%. The total cost of the loan would be $12,165.60.

Advisory: Legitimate lenders will never ask for advance payment. NEVER pay a lender in advance for a loan.


We are partnered with multiple national lending partners and all credit situations are considered.

APR, INTEREST RATE, and ORIGINATION FEES

An APR shows you the cost of borrowing money on a yearly basis. It can help you quickly compare different loans or credit cards on an apples-to-apples basis. The APR on a personal loan can include both the interest rate and origination fee. The origination fee may also be deducted from your loan proceeds, and there is usually no fee if you do not receive a loan.
The Annual Percentage Rate (APR) is the rate at which your loan accrues interest, and is based upon the individual lender's program. All terms and conditions for any loan for which you qualify will be presented before you submit your application. APRs vary from 4.79% to 35.99% for unsecured personal loans.
For example, If the origination fee is deducted and you receive a $6,000 36-month loan at an interest rate of 6.99% with a 2% origination fee of $120.00, you could receive a loan amount of $5,880.00 and make 36 monthly payments of approximately $185.24 at an 8.36% APR. In the case of a $20,000 60-month loan at an interest rate of 7.62% with a 3% origination fee of $600.00, you could receive a loan amount of $19,400.00 and make 60 monthly payments of approximately $401.90 at an 8.91% APR. Your actual monthly payment usually varies based on the APR, loan amount and term selected.

Credit Implications

Our participating lending partners may verify your social security number, driver's license number, national ID, or any other state or federal identification, and review your information against national databases to include, but not limited to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. Some of our participating lending partners will not perform credit checks with the three major credit reporting bureaus. When third parties check your credit score, it can lower your credit score. We will make every effort to only present programs that qualify and benefit your situation, and in hopes, help increase your chances of getting a loan with our lending partners. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lending partners to verify your information and check your credit as described in their policies and terms.

Implications of Late Payments

Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest, and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan, be sure you have read and understand the implications of making late payments. Also, each state has rules and regulations in place that lenders must follow when assessing fees for late payments.

Implications of Non-Payment & Collection Practices

If you do not make the payments on your loan, you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by federal and state laws to use fair practices in their collection actions for a loan that has not been repaid. Lenders should comply with the following practice:

  • Not contacting you by phone before 8 am or after 9 pm
  • Not harassing you or using abusive language towards you over the phone
  • Not using deception to try to collect money from you
  • Not threatening you with legal action if it is not permitted

We will only allow lending partners who are reputable and maintain their reputations actively; however, if you find any behavior that is not professional, or you feel is predatory, we need and want to know immediately. We are your advocate and your experience with us is paramount to the success of our company. We appreciate your trust in us to help you with your loan needs.