Community Credit
About the Business
At Community Credit, we specialize in making it easy for residents of Columbia, SC, to apply for small personal installment loans. Whether you have poor credit or no credit, we believe in considering the whole picture and providing second chances. Our goal is to offer lending decisions within hours, ensuring you get the financial help you need as quickly as possible.How It Works:
1. Pre-Application:
Start by filling out our loan pre-application form available on our website. This easy and quick form will not impact your credit score.2. Customer Service:
Once we receive your pre-application, one of our friendly customer service representatives will contact you to gather additional information about your income, residence, and current loan obligations.3. Verification:
You may be asked to provide supporting materials to verify your information. The entire process, including verification, typically takes just a few hours.Convenient Location:
Our newly-renovated Columbia office is conveniently situated on Dutch Square Blvd., right across from the Dutch Square Mall.Eligibility Requirements:
To apply, every customer must have:
- A verifiable source of income
- A verifiable residence
- Direct deposit
- A South Carolina Driver’s License or Government ID
- A social security cardOur Approach:
At Community Credit, we strive to "say yes, safely." We don't solely base our decisions on your credit score; instead, we look at your overall financial situation. We evaluate your income stability, existing loan obligations, and your history of repaying previous loans. We understand that life can impact your credit history, and we’re here to help you rebuild.Loan Details:
- Loan Amounts: Ranging from $300 to $3,000, depending on your income, existing loans, credit history, and intended use of the funds.
- Repayment Plan: Our unique repayment plan is structured around your pay schedule. Payments are automatically drafted from your debit card on the payday immediately before the loan’s monthly due date, helping you avoid late payments and unnecessary fees.
- Build Your Credit: We report your loan payments to the credit bureau, so timely payments can help you build or rebuild your credit score.Starter Loans:
We also offer a starter loan program for individuals without a credit history. These loans are typically for smaller amounts and may require a co-signer. With on-time payments, your credit line can grow over time.
Photos
Location & Phone number
832-B Dutch Square Blvd, Columbia, SC 29210, United States
Hours open
Monday:
8:30 AM - 5:30 PM
Tuesday:
8:30 AM - 5:30 PM
Wednesday:
8:30 AM - 5:30 PM
Thursday:
8:30 AM - 5:30 PM
Friday:
8:30 AM - 5:30 PM
Saturday:
Closed
Sunday:
Closed
Reviews
"The lady named Melissa (I think that’s her name) who did my application over the phone was BEYOND RUDE. No grace and no people skills whatsoever. Her behavior over the phone with me was very tacky and she is a poor representation of the company. Just because people are calling because they obviously need money, is not a reason for them to be talked to like they are nothing. I can’t express how rude she was. Down right disgusting! I pray she’s not the manager. I will be looking for the corporate contact information, because they need to be notified if they haven’t already, about her rotten attitude poor demeanor when dealing with customers."
"Lady that conducts application process extremely rude, no decorum this lady was very uncouth we couldn’t even get past the application process"
"I was given a call for about 15mins she got all of my information and was very rude getting it. At the end when I told her how much I make she just said Bye and HUNG UP THE PHONE VERY RUDE PLACE"
"I would not recommend this company to anyone. I am currently one of their customers and have fell short with some payments,but I stay in contact. At times they want to debit my card 2x a month. Back in September they debited my account for 2 payments,which I only agreed to one,that put my account in the negative. I made a one time payment with my cashapp card,they kept it on file without my permission. I asked back in September, why was my card debited for for 2 payments instead of one,and Barry and Scott said the underwriters did it. I asked recently why did they try to debit my cashapp,and once again I got the same lie. They say they will work with you, but that's only if you are on time,or maybe a day or so late. They call constantly even when you stay in contact with them. I was told I had broken promises,which was true, but I wasn't lying. Barry said to me once,well it's not that I don't believe you, I just feel like you put us at the bottom of the barrel. That's unprofessional and he took it personal. I am working hard to pay them off,to never deal with them again."
"I just called to speak with the manager concerning the harassment that they are doing to my fiance, they were calling her every day even after she kept in contact with them. They even called her references when there were no need to. The manager and the helper name David both tried to over talk us instead of trying to listen to what we had to say. The consumers is always right without us as consumers their is no paycheck for them, this is a bad place to do business."
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