Call the Columbia address before planning a payday-loan visit

Two Columbia postal-address contacts

These are operator-published contacts, not Bottom Dollar offices. A Columbia mailing address does not independently establish the municipal boundary. The partial hours below are not evidence that either store is open now.

The map is requested from Google only after you press the button. It searches the displayed place or area; it does not verify a business profile or a license.

Two numbers, not a shared branch assumption

The sources exposed 9:00 am–7:00 pm for Monday and Tuesday. The remaining weekly schedule has not been confirmed in the listed sources. Ask whether loan review, check cashing and other services have separate cutoffs. A published contact can help resolve that question; it is not a promise of approval or immediate cash. [S11] [S12]

Confirm the service, not just the page heading

The Broad River page foregrounds payday loans. Taylor Street’s heading foregrounds check cashing and money orders, while its branch material also contains a payday-loan section. Ask specifically for the service you need rather than interpreting either heading as a complete list. [S11] [S12]

Cashing a check you already own is different from borrowing against a future repayment. Ask which agreement you would sign and which legal entity would be the creditor. This directory does not verify a licence or act on either operator’s behalf.

Separate principal, charges and the final payment

For the covered deferred-presentment product, South Carolina limits principal to $550 excluding permitted fees and permits a fee of no more than 15% of principal once per written agreement. This is not a rate schedule for installment loans or a line of credit. [S01]

The following is a statutory-fee illustration, not an ACE quote. Assume $500 is advanced with no separate deductions and the modeled fee is $75.

Do not subtract the $75 from cash received and also add it to repayment unless the actual contract contains two different charges. Obtain the written dollar figures and APR disclosure; 15% of principal is not a 15% annual percentage rate. [S01]

Put the due date beside the income that can actually cover it

South Carolina’s covered transaction must be written for no more than 31 days. That maximum is not a promise of a full month or an instruction to choose your own date. Record the actual date in the agreement and the first usable income before it. [S01]

Suppose $1,000 will be usable before the payment, with $500 committed to essentials, $180 to existing obligations and $100 kept as a reserve. The available margin is $220. A $575 repayment would exceed it by $355. A later expected deposit does not close that gap if it arrives after the due date. This is a budgeting example, not an eligibility test.

Use a short call to avoid an unnecessary application

Ask the branch to confirm its address, today’s loan-service hours, whether the product is available there, the documents it requires and the proposed amount and repayment structure. Ask how any credit inquiry works before authorizing it. Do not send a Social Security number or bank login merely to ask opening hours.

If the conversation moves to an application, use the provider’s identified channel and read its disclosures. A preliminary conversation, a submitted request, approval and receipt of money are separate stages. None is completed by clicking a button in this directory.

Resolve a failed fit before trying another storefront

If the problem is an unconfirmed schedule, resolve it by telephone. If the problem is missing documentation, obtain the exact requirement. If the repayment does not fit, changing from Broad River to Taylor Street does not change the household budget.

Compare a confirmed bill arrangement or an appropriately priced alternative with the actual offer. When the difficulty concerns an existing loan, contact its creditor for the applicable repayment options rather than treating a second application as a payment plan. Keep written terms and contact details for any route you choose.

Related decisions

Company profiles for this city

These profiles may cover different providers or products from the contacts above. Open the profile for its service type and any unresolved address or operating details.