Bad Credit Loans Charleston, SC

credit check for unsecured personal loan Charleston, SCAs one of America’s oldest cities, Charleston enjoys a rich cultural heritage based in hospitality and courtesy. Recent growth has allowed the city to prosper even more, and given the majority of the population a stable, friendly place to live. But there are still some people who aren’t feeling the love enjoyed by many others. If you’re one of the few who isn’t living the good life, you may need a personal loan for bad credit in Charleston to catch up. With our Loans Discovery Program, we can help you get it! Our system matches you with tailored lending offers based on your needs, saving you time and giving you access to safe, affordable options.

An Economic Boom That’s Leaving Some Behind

With a history dating back to nearly the founding of the United States, Charleston has always been a popular tourist destination. The city is filled to the brim with museums, cultural events, hotels, and restaurants that bring in thousands of visitors, and even more money, every year. Recent developments in both the information technology and shipping industries have allowed the city to achieve even greater prosperity. While this has improved the lives of the majority of its citizens, some Charleston residents still face many challenges

There’s Still Poverty in Charleston

Per a report by the U.S. Census Bureau, only about 13.3% of Charleston’s population lived below the poverty line in 2017. That’s better than the 15% the rest of the U.S. was experiencing, but it’s still a lot of people. The population at the time was around 401,438, meaning over 53,000 people struggle with money. When you put an actual count to the percentage, it seems much worse.

Options for Bad Credit are Limited

People all over the country with scores below a 620 have had a very difficult time accessing money when they need it. Charleston is no different, with most banking and lending agencies refusing to work with anyone who doesn’t meet that minimum score. Additionally, nearly every institution makes hard inquiries to confirm credit scores right off the bat. This has made it very difficult for people with bad credit to compare different rates because their score drops with each new inquiry. Plus, these institutions typically take several weeks to actually get the money to borrowers.

Alternatives that Are Anything but Helpful

When traditional venues have failed them, many South Carolina residents have turned to payday and title lenders to get money. It seems like a good idea on the surface. These agencies usually don’t make credit checks, get money very quickly, and even guarantee that applicants will be approved. The problem is that the system is designed to trap people with recurring debts that they can’t easily pay. Typical terms associated with these types of loans include:

  • Amounts that don’t exceed $550 for payday offers or for less than $601 for title offers
  • Maximum APRs of 390% for payday offers and no cap for title lenders (averaging 300%)
  • A maximum of 31 days to repay for both payday and title lenders
  • Up to 15% finance charge on the principal
  • A requirement to promise your vehicle for title lenders

What often occurs is that people end up defaulting on these offers, then taking out a new one to repay the old one, trapping them in debt. Worst of all, it’s perfectly legal thanks to South Carolina Code §34-39.

You Don’t Have to Default to a Bad Deal

You might think that a payday or title lender is your only option when you have bad credit. That’s simply not the case. There are many bad credit loan offers that you can take advantage of, and we can help you find the best ones! We’ve paired hundreds of South Carolina residents with great money offers all over the country, and we stand ready to do the same for you!

Truly Hospitable Terms

Charleston is well known for its hospitality, and we give you the same level of courtesy when you work with us. We start by pairing you with a personal consultant, who will determine what you’re looking for in an offer, and help you find options that match. Our options allow you to potentially access thousands of dollars, with very competitive interest rates, that you can repay over the course of several years. All of our options are unsecured, and we don’t charge any fees for our help. There’s no risk to your finances!

Safety for You and Your Credit Profile

Other businesses usually want to see what your score is like at the start. We don’t think that makes sense when you have bad credit. Instead, we initially have you report your score, protecting it and allowing us to do our work. Our services are open to anyone with a 450 or higher credit score but no need for us to verify it. Your information is kept completely safe because we don’t give it to anybody.

Quick Results that You Can Depend On

If you had all the time in the world to save money, you wouldn’t need a loan. We recognize that, so we work quickly to get you the funds you may desperately need. Our Discovery process begins with a questionnaire that can be completed in a few short minutes. Our team can usually have your options matched to you in about one business day. Finally, our network of providers typically has the money ready to pass to you within 24 to 48 hours after you agree to the terms.

Get Your Tailored Solution With Loans Now Discovery!

With our free service, we’re confident we can find the perfect option that lets you borrow money without having to risk everything you own. With great rates, protection for your credit, and speedy delivery, we think we’re the best service of our kind on the market! Complete your questionnaire and let us help you achieve the financial success you’re craving today!

Personal Loans Starting at 4.99%
  • Loan Discovery Process
  • Credit Scores Reviewed to 450
  • 2, 3, 5 & 7 Year Terms
  • Loan Amounts $500 - 70K

No Initial Credit Check!

* Using tool will not lower your score.
* We do not share your information.
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