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Loans

Legal Information

  • Advance-Fee Loans

    Content Detail

    By:
    Federal Trade Commission
  • Auto Title Loans

    PDF document (may load slowly). Content Detail

    By:
    South Carolina Appleseed Legal Justice Center
  • Avoid Dangerous Loans - Bank on Your Future

    Questions to Ask About Loans: Does the interest rate change over time? Are there fees for this service? What is the cost of the interest that I will have paid by the end of the loan period? Are the loan documents available in my primary language? Content Detail

    By:
    Appleseed Foundation
  • Borrower Beware: The High Cost of Payday and Auto Title Lenders, Pawn Brokers and Rent-to-Own Stores

    When you need cash, you should beware of some of the companies and people who make loans. This web page tells you what to watch for when you do business with small loan companies, pawn brokers and rent-to-own stores. Content Detail

    By:
    National Consumer Law Center
  • Car Loans

    Before you say “yes,” there are many things you should know to avoid making a bad deal when taking out a loan to buy a car. Content Detail

    By:
    Appleseed Foundation
  • Credit - FAQs on Credit

    Content Detail

    By:
    SC Department of Consumer Affairs
  • Lawyer Referral Service Online

    The Lawyer Referral Service Online provides a list of attorneys by county that participate in the Bar's LRS program. To find an attorney simply click the county in which you live and look for one that practices in the area of law concerning your question. Content Detail

    By:
    South Carolina Bar Association
  • Minimum Payments on Credit Cards

    This video shows what happens when someone makes just the minimum payment on a credit card balance. Content Detail

    By:
    Federal Trade Commission
  • Payday Lenders Brochure

    PDF document (may load slowly). Content Detail

    By:
    South Carolina Appleseed Legal Justice Center
    Read this in:
    Spanish / Español
  • Payday Lending

    This video shows what happens when someone gets a payday loan but can’t pay it back right away. Content Detail

    By:
    Federal Trade Commission
  • Payday Lending: How a Short-Term Loan Becomes Long-Term Debt

    These 400+ percent interest loans present a real and dangerous economic risk for people. Studies suggest that payday loan borrowers are at increased risk for check account closures, credit card delinquency, and even bankruptcy. Content Detail

    By:
    Center for Responsible Lending
  • Payday Loans

    This web site contains documents relating to: (1) home equity loans, home equity credit lines and common home equity scams, (2) high rate, high fee mortgages, (3) reverse mortgages, (4) payday loans, and (5) mortgage discrimination. You may view the documents on-line and print them out or print them in PDF format. Content Detail

    By:
    Federal Trade Commission
  • Protecting Your Home: South Carolina's Predatory Lending Laws

    Report on current laws regarding predatory mortgage lending. PDF document (may load slowly). Content Detail

    By:
    South Carolina Appleseed Legal Justice Center
  • The High Cost of Payday Loans

    Payday loans go by a variety of names, including "deferred presentments", "cash advances", deferred deposits", or "check loans", but they all work in the same way. The difference between the amount of the check and the amount of cash the customer gets in return is interest or a loan fee that the lender is charging. These types of short-term loans are always very expensive. Content Detail

    By:
    National Consumer Law Center
  • Using Credit Cards

    Credit cards are not just a convenient, cash-free way to make a purchase. Credit cards are one way to borrow money from a bank. Credit cards are LOANS – and they often are expensive loans. Learn how they work and how much they can cost before you apply for one! Content Detail

    By:
    Appleseed Foundation