South Carolina pawn loan calculator
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EstimateSouth Carolina
$67.50
maximum charge for the first month
- Total charges
- $67.50
- To get your item back
- $567.50
- Monthly rate
- 13.5%
Maximum allowed by state law. A pawn shop can charge less; your pawn ticket shows the real amount.
Pawn shops by city in South Carolina
South Carolina pawn loan rules
| Maximum charge | Per 30 days: 25% on the first $50, 20% on the next $50, 15% up to $200, 10% up to $1,000 and 5% up to $17,900 (the maximum principal from July 1, 2026). |
| Grace period | 60 days after maturity or renewal, with a mailed notice at least 10 days before forfeiture. |
| Holding periods | Police keep a seized item 10 business days before returning it to the owner. |
| ID required | State or federal photo ID, U.S. military ID or passport. |
| Renewals | Renewals and extensions are allowed. |
| Other fees | Duplicate ticket up to $3; no other fees. |
What a pawn loan costs in South Carolina
| Loan | First month (max) | To redeem after 1 month |
|---|---|---|
| $100 | $22.50 | $122.50 |
| $250 | $42.50 | $292.50 |
| $500 | $67.50 | $567.50 |
| $1,000 | $117.50 | $1,117.50 |
| $2,000 | $167.50 | $2,167.50 |
These are ceilings. The charge on your pawn ticket can be lower, and the ticket must show it with the annual percentage rate. To see two or more months, change the months in the calculator above.
Before you pawn in South Carolina
- Bring a valid government-issued photo ID.
- South Carolina ID rule: State or federal photo ID, U.S. military ID or passport.
- Ask for the total to redeem on the due date and the last day of the grace period.
- Compare at least two shops: see pawn shops in Columbia.
- Read how pawn loans work and what happens if you don't pay.
Questions
How much does a $500 pawn loan cost in South Carolina?
At the legal maximum, $67.50 for the first month, so $567.50 to get the item back after one month. A $1,000 loan costs up to $117.50 for the first month. Shops can charge less.
How long does a pawn shop hold my item in South Carolina?
Grace period: 60 days after maturity or renewal, with a mailed notice at least 10 days before forfeiture.
What ID do I need to pawn in South Carolina?
State or federal photo ID, U.S. military ID or passport.
How many pawn shops are listed in South Carolina?
13 pawn shops in 1 city: Columbia.
Sources
- S.C.Code§40-39-70,80,100,110: scstatehouse.gov
- SC Consumer Affairs dollar adjustments 2026: consumer.sc.gov