Spartanburg, SC

Credit Repair & Financial Services in Spartanburg

Review 6 credit repair companies, personal lenders, and financial services in Spartanburg, South Carolina. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

South Carolina avg credit score: 690 Median income: $63,623 Poverty rate: 13.8% Payday loans: Legal South Carolina overview →

Featured Provider Profiles in Spartanburg

6 companies
Advance America logo

Advance America

Advance America is one of the largest payday and installment loan providers in the US, operating over 1,400 stores in 29 states since 1997. BBB A+ rated but subject to a $18.5M CFPB settlement in 2012 for unfair collection practices.

4.9/5

Google rating from 36,495 reviews

BBB: A+

Profile signals: Borrowers with limited credit who need fast access to small personal or installment loans under $5,000, Consumers seeking provider-stated funding timing from a physical storefront with bilingual (English/Spanish) service

Masters Credit Consultants logo

Masters Credit Consultants

Masters Credit Consultants disputes negative and erroneous items on credit reports to help consumers improve their scores and achieve financial goals like homeownership.

4.9/5

Google rating from 74 reviews

BBB: NR

Profile signals: Consumers with errors or fraudulent items on their credit reports who want professional dispute assistance, Military veterans and active duty personnel seeking credit repair with cost savings

Cash Loans logo

Cash Loans

AmeriCash Loans offers installment loans up to $2,500 with a fast application process at their Spartanburg, SC location just off I-29.

BBB: NR

Profile signals: Borrowers needing $500-$2,500 in cash quickly for emergencies or immediate expenses, Spartanburg and nearby residents who prefer in-person lending with same-day service claims to verify

TitleMax Title Loans logo

TitleMax Title Loans

Spartanburg, SC TitleMax Title Loans at 1777 Asheville Hwy — title-loan profile details open 10AM-7PM Mon & Fri.

BBB: NR

Profile signals: Memphis-area residents who need same-day emergency cash and own their vehicle outright, Borrowers with poor or damaged credit who have been declined by banks and credit unions

TitleMax Title Secured Loans logo

TitleMax Title Secured Loans

TitleMax Title Secured Loans Spartanburg, South Carolina — TitleMax offers title-secured loans and pawns using your vehicle as collateral, plus unsecure...

BBB: NR

Profile signals: Vehicle owners with poor or no credit who are researching short-term cash access and may not meet traditional bank-loan criteria, Borrowers requiring provider-stated funding timing in the $500–$10,000 range as a short-term emergency measure

TitleMax Title Secured Loans logo

TitleMax Title Secured Loans

TitleMax Title Secured Loans Spartanburg, South Carolina — TitleMax offers title secured loans and personal loans with same-day cash, using your vehicle...

BBB: NR

Profile signals: Vehicle owners with a clear, lien-free title who need cash same day, Borrowers with poor or limited credit who cannot qualify for bank loans

Personal Loans in Spartanburg

View all →
Advance America logo

Advance America

Advance America is one of the largest payday and installment loan providers in the US, operating over 1,400 stores in 29 states since 1997. BBB A+ rated but subject to a $18.5M CFPB settlement in 2012 for unfair collection practices.

4.9/5

Google rating from 36,495 reviews

BBB: A+

Profile signals: Borrowers with limited credit who need fast access to small personal or installment loans under $5,000, Consumers seeking provider-stated funding timing from a physical storefront with bilingual (English/Spanish) service

Cash Loans logo

Cash Loans

AmeriCash Loans offers installment loans up to $2,500 with a fast application process at their Spartanburg, SC location just off I-29.

BBB: NR

Profile signals: Borrowers needing $500-$2,500 in cash quickly for emergencies or immediate expenses, Spartanburg and nearby residents who prefer in-person lending with same-day service claims to verify

Emergency Cash in Spartanburg

View all →
TitleMax Title Loans logo

TitleMax Title Loans

Spartanburg, SC TitleMax Title Loans at 1777 Asheville Hwy — title-loan profile details open 10AM-7PM Mon & Fri.

BBB: NR

Profile signals: Memphis-area residents who need same-day emergency cash and own their vehicle outright, Borrowers with poor or damaged credit who have been declined by banks and credit unions

TitleMax Title Secured Loans logo

TitleMax Title Secured Loans

TitleMax Title Secured Loans Spartanburg, South Carolina — TitleMax offers title secured loans and personal loans with same-day cash, using your vehicle...

BBB: NR

Profile signals: Vehicle owners with a clear, lien-free title who need cash same day, Borrowers with poor or limited credit who cannot qualify for bank loans

Credit Repair in Spartanburg

View all →
Masters Credit Consultants logo

Masters Credit Consultants

Masters Credit Consultants disputes negative and erroneous items on credit reports to help consumers improve their scores and achieve financial goals like homeownership.

4.9/5

Google rating from 74 reviews

BBB: NR

Profile signals: Consumers with errors or fraudulent items on their credit reports who want professional dispute assistance, Military veterans and active duty personnel seeking credit repair with cost savings

Pawn Shops in Spartanburg

View all →
TitleMax Title Secured Loans logo

TitleMax Title Secured Loans

TitleMax Title Secured Loans Spartanburg, South Carolina — TitleMax offers title-secured loans and pawns using your vehicle as collateral, plus unsecure...

BBB: NR

Profile signals: Vehicle owners with poor or no credit who are researching short-term cash access and may not meet traditional bank-loan criteria, Borrowers requiring provider-stated funding timing in the $500–$10,000 range as a short-term emergency measure

Your Rights in South Carolina

South Carolina Consumer Protections: South Carolina allows payday lending with a $550 cap, 15% fee limit, and a statewide database to prevent multiple simultaneous loans. After four consecutive loans, borrowers must be offered an extended payment plan at no extra cost. Complaints can be filed with the Board of Financial Institutions or the Attorney General.

Interest Rate Cap: South Carolina usury cap: 8.75% default rate; payday loans capped at $550 with 15% fee.

Key Regulations:
  • Payday loans (deferred presentment) capped at $550 with maximum fee of 15% of the advance.
  • Borrowers limited to one outstanding loan at a time tracked via statewide database.
  • A one-day cooling-off period required between loans.
  • Lenders must offer an extended payment plan at no additional cost after the fourth consecutive loan.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with South Carolina Attorney General Consumer Protection Division.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

Browse Other Cities

Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Compensation does not determine whether a provider can be covered or how visible star ratings are calculated. Learn more.