- Payday loans in Rock Hill 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).
- 1 credit union is headquartered in Rock Hill; ask about small-dollar loans before borrowing.
Rock Hill at a glance
| Rock Hill | |
|---|---|
| Population (2024 Census estimate) | 75,798 |
| Change since 2020 | +1.5% (growing) |
| County | York County |
| Size rank among 223 South Carolina places we cover | 5th |
| Share of South Carolina’s population | 1.4% |
| Nearest larger city | Columbia (about 62 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in York County | 1 |
| Other towns within 25 miles | 12 (about 86,068 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Rock Hill follows South Carolina state law. Lenders that serve Rock Hill, in a store or online, must be licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division.
Credit unions in Rock Hill
These credit unions have their main office in Rock Hill, according to NCUA call report data (June 2026):
- Family Trust Federal Credit Union (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 Rock Hill
The main South Carolina rules for a payday loan in Rock Hill: 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 Rock Hill
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 York County before you borrow
- Call or text 211 for help with rent, utilities and food in York 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 Rock Hill
The nearest larger city is Columbia, about 62 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 Rock Hill?
Yes. Payday loans are legal in Rock Hill 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 Rock Hill?
At South Carolina’s maximum fee, borrowing $300 costs $45 (15% fee). The typical statewide APR was 391% in 2023.
Are there credit unions in Rock Hill?
Yes. NCUA data lists 1 credit union with a main office in Rock Hill, including Family Trust Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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