Affordable Cash Credits, Woman shopping in South Carolina
Affordable Cash Credits, Woman shopping in South Carolina
For loans up to $550 : CALL US AT 803-278-6789 For loans up to $2,500 : CALL US AT 803-278-6789
For loans up to $550    : CALL US AT 803-278-6789For loans up to $2,500 : CALL US AT 803-278-6789

Frequently Asked Questions

What is an Affordable Cash Loan?

An Affordable Cash Loan is a short-term high interest loan to get you through until your next payday.

What is an Affordable Credit Loan?

An Affordable Credit Loan is a long term loan with our company that can be paid off in a year.

Why would I use an Affordable Cash Loans or Affordable Credit Loans?

Everyone has a different reason for using payday loans. They are used to help you with unexpected expense between paydays. Studies have shown that it is cheaper to use a payday loan then to incur late fees on an account or pay bounced check fees from your bank. If you have the ability to borrow at a rate of interest lower and/or better terms then ours we strongly suggest that you do so. Affordable Cash Loans are intended to be a short-term fix to an immediate situation and are not to be used for an extend amount of time. If you need a longer loan then you would want to get an Affordable Credit Loans which can be paid off in a year.

How would I apply for a loan?

You will need to complete a loan application and provide a most recent pay stub, the last 60 days of bank transactions from the day you walk in, driver’s license or state ID, Social Security card, a piece of mail (to verify your address), and your checkbook.

Why do I need to provide this information?

In order for Affordable Cash Loans & Affordable Credit Loans to approve your application we need to confirm the information you are giving to us. This is to protect our customers and the company from any type of fraud.

Why choose Affordable Cash Loans or Affordable Credit Loan?

Affordable Cash Loans & Affordable Credit Loans is a local company where you come first. Our friendly staff will take care of you and answer any questions you may have. We are here to help you get to your next payday as easy as possible.

What if I change my mind?

Affordable Cash Loans & Affordable Credit Loans gives you until the end of business the same day you took out the loan to bring back the money and cancel the loan.

Is my information confidential?

Customer privacy is Affordable Cash Loans & Affordable Credit Loans’ No.1 priority. We understand that the information that you have provided to us is of a sensitive nature and we will not share that information with anyone outside the industry and will not sell your information to anyone.

Do you check my credit report?

Affordable Cash Loans & Affordable Credit Loans does not check your credit report. We do perform a search in the Teletrack database or corelogic database, which is a national database of consumers who have a record of transactions in certain industries including deferred deposit, check cashing, rent to own, cable television, consumer finance companies, and retail furniture stores.

How much money can I get?

Affordable Cash Loans & Affordable Credit Loans bases the amount you can borrow on your income. We may not be able to lend you as much as you would like. Anyday Payday Loans and Affordable Credit Loans helps you get to your next payday and would not be helping you if we gave you more then you were able to pay back.

How much does it cost to borrow money?

Affordable Cash Loan is $15 for every hundred borrowed and Affordable Credit Loan varies.
Sample Affordable Cash Loan: You borrow $100 for 2 weeks. You will be charged $15 in finance charges. Total to pay back would be $115 on your due date.

Where do I go to get money?

You can stop into our location to receive a loan. Once you are approved we will give you cash or a check depending on the amount.

How do I pay back the loan?

You will need to stop into the office you received the loan from and bring cash on your due date to pay on your loan.

Do I have to pay it all back on my due date?

Affordable Cash Loan: Yes, state law requires the full amount on your due date.
Affordable Credit Loan: You make payments when they are due.

Can I pay the loan off early?

Yes, you can pay any time before your due date. Affordable Cash Loan, the full amount; Affordable Credit Loans will give you discounts on the fees based on how early you come in.

What happens if I am late?

Affordable Cash Loans must run your check at the end of the day. It's the law. Affordable Credit Loans asks that you keep in contact with us, so that we know what is going on. If you are going to be only one day late, please call the store on your due date and come in the next day.

 

Call Us Today
Affordable Cash Loans:  803-278-6789
Affordable Credit Loans: 803-278-6789

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