- Payday loans in Arcadia Lakes follow South Carolina law (S.C. Code Title 34, Chapter 39 (Deferred Presentment Services Act)).
- Borrowing $300 at the state maximum costs $45 (15% fee).
- The nearest larger city is Columbia, about 3 miles away.
Arcadia Lakes at a glance
| Arcadia Lakes | |
|---|---|
| Population (2024 Census estimate) | 856 |
| Change since 2020 | -1% (shrinking) |
| County | Richland County |
| Size rank among 223 South Carolina places we cover | 157th |
| Nearest larger city | Columbia (about 3 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Richland County | 8 |
| Other towns within 25 miles | 18 (about 258,000 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Arcadia Lakes follows South Carolina state law. Lenders that serve Arcadia Lakes, in a store or online, must be licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division.
Credit unions near Arcadia Lakes
No credit union has its main office in Arcadia Lakes, but these are based elsewhere in Richland County (NCUA, June 2026):
- Palmetto Citizens Federal Credit Union in Columbia (federal charter — may offer payday alternative loans (PALs))
- Allsouth Federal Credit Union in Columbia (federal charter — may offer payday alternative loans (PALs))
- South Carolina National Guard Federal Credit Union in Columbia (federal charter — may offer payday alternative loans (PALs))
- Caro Federal Credit Union in Columbia (federal charter — may offer payday alternative loans (PALs))
- S. C. State Federal Credit Union in Columbia (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Arcadia Lakes
The main South Carolina rules for a payday loan in Arcadia Lakes: maximum loan: $550; maximum fee: 15% of the amount advanced; loan term: up to 31 days. See the full South Carolina payday loan rules.
What a $300 loan costs in Arcadia Lakes
The Center for Responsible Lending put the typical APR on a $400 payday loan in South Carolina at 391% (June 2023). For $300 at the state maximum, expect $45 (15% fee). Check any offer with our payday loan calculator.
Other help in Richland County before you borrow
- Call or text 211 for help with rent, utilities and food in Richland County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Arcadia Lakes
- Forest Acres · 1 mi
- Columbia · 3 mi
- Cayce · 8 mi
- West Columbia · 9 mi
- Springdale · 11 mi
- Blythewood · 11 mi
The nearest larger city is Columbia, about 3 miles away. See all 223 South Carolina cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Arcadia Lakes?
Yes. Payday loans are legal in Arcadia Lakes under South Carolina state law, and lenders must be licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division.
How much does a payday loan cost in Arcadia Lakes?
At South Carolina’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Where is the nearest credit union to Arcadia Lakes?
No credit union is headquartered in Arcadia Lakes, but Palmetto Citizens Federal Credit Union is based in Columbia, also in Richland County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- South Carolina Legislature — Deferred presentment (2009 Bill 87)
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary