Personal Loans in South Carolina
Here's what fees you can expect when obtaining online personal loans in South Carolina:
| Personal loan lending status in South Carolina: |
Legal |
| Maximum loan amount in South Carolina: |
Up to a $7,500 cash advance (Consumer Finance Act, S.C. Code 34-29-140) |
| APR cap: |
Tiered charges per $100 of cash advance plus an initial charge (S.C. Code 34-29-140); confirm the current dollar figures with the State Board of Financial Institutions |
| Minimum loan term: |
Not specified |
| Maximum loan term: |
24.5 to 60.5 months depending on the loan |
| Prepayment penalty: |
No prepayment penalty |
| State Regulator: |
South Carolina Department of Consumer Affairs
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in South Carolina.
Personal Loan Locations in South Carolina
Kinsmith Finance
5.0★★★★★(1481 reviews)
1722 Broad River Rd Unit I, Columbia, SC 29210, USA
Kinsmith Finance
5.0★★★★★(1308 reviews)
708 12th St, West Columbia, SC 29169, USA
Advance America
5.0★★★★★(1248 reviews)
7535-A Garners Ferry Rd, Columbia, SC 29209, USA
Kinsmith Finance
5.0★★★★★(1107 reviews)
10159 Two Notch Rd A, Columbia, SC 29229, USA
Check `n Go
4.9★★★★☆(1016 reviews)
7358 Two Notch Rd STE A, Columbia, SC 29223, USA
Kinsmith Finance
5.0★★★★★(959 reviews)
7364 Two Notch Rd, Columbia, SC 29223, USA
Advance America
5.0★★★★★(892 reviews)
1930 Cherry Rd STE B, Rock Hill, SC 29732, USA
ACE Cash Express
4.9★★★★☆(829 reviews)
1520 Broad River Rd, Columbia, SC 29210, USA
Advance America
5.0★★★★★(788 reviews)
4400 Dorchester Rd Suite 102, North Charleston, SC 29405, USA
Advance America
5.0★★★★★(785 reviews)
1604 Airport Blvd, West Columbia, SC 29169, USA
No locations found for that city. Show all
A personal loan in South Carolina is a fixed-amount loan available from a range of regulated financial institutions. Borrow from $1,000 to $50,000 and pay back over 1 to 7 years with predictable payments.
Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. Use the funds for almost any legal purpose – no restrictions.
Why Compare Personal Loan Lenders in South Carolina
- See several offers instantly – get rates from top lenders serving South Carolina without applying to each one separately
- No hard credit pull to compare – comparing rates through MaybeLoan will not lower your credit score
- See the full cost upfront – know exactly what you are paying before you commit
- From good to fair credit – we work with lenders for a range of credit scores
- Free service – lenders pay us, not you
The Application Process
Getting a personal loan in South Carolina through MaybeLoan takes just a few minutes.
- Step 1: Enter your basic information – takes about 5 minutes
- Step 2: Get matched – compare real rate offers instantly
- Step 3: Compare and choose – select the offer that fits your budget
- Step 4: Get funded – typically within 1-3 business days, sometimes same day
Who Qualifies
To qualify for a personal loan in South Carolina, most lenders require:
- Must be at least 18
- U.S. citizen or permanent resident
- A U.S. bank account for fund deposits
- Verifiable income
- SSN required for identity and credit verification
Credit score requirements vary by lender. Many online lenders accept scores as low as 580-600.
Personal Loan Rates in South Carolina
Your actual rate depends on your credit score, income, loan amount, and term. Borrowers with excellent credit (720+) often qualify for rates under 10%.
Always compare at least 2-3 lenders before deciding.
FAQ - Personal Loans in South Carolina
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
