- Payday loans in Surfside Beach 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 Myrtle Beach, about 9 miles away.
Surfside Beach at a glance
| Surfside Beach | |
|---|---|
| Population (2024 Census estimate) | 4,368 |
| Change since 2020 | +5% (growing fast) |
| County | Horry County |
| Size rank among 223 South Carolina places we cover | 73rd |
| Nearest larger city | Myrtle Beach (about 9 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Horry County | 1 |
| Other towns within 25 miles | 6 (about 100,796 residents) |
| Typical payday APR statewide (CRL 2023) | 391% |
Payday lending in Surfside Beach follows South Carolina state law. Lenders that serve Surfside Beach, in a store or online, must be licensed by the South Carolina State Board of Financial Institutions, Consumer Finance Division.
Credit unions near Surfside Beach
No credit union has its main office in Surfside Beach, but these are based elsewhere in Horry County (NCUA, June 2026):
- Carolina Trust Federal Credit Union in Myrtle Beach (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 Surfside Beach
The main South Carolina rules for a payday loan in Surfside Beach: 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 Surfside Beach
At South Carolina’s maximum fee, borrowing $300 costs $45 (15% fee). Statewide, the typical APR on a $400 payday loan was 391% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Horry County before you borrow
- Call or text 211 for help with rent, utilities and food in Horry 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 Surfside Beach
- Myrtle Beach · 9 mi
- Conway · 16 mi
- Briarcliffe Acres · 18 mi
- Atlantic Beach · 20 mi
- North Myrtle Beach · 22 mi
- Georgetown · 24 mi
The nearest larger city is Myrtle Beach, about 9 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 Surfside Beach?
Yes. Payday loans are legal in Surfside Beach 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 Surfside Beach?
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 Surfside Beach?
No credit union is headquartered in Surfside Beach, but Carolina Trust Federal Credit Union is based in Myrtle Beach, also in Horry 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