Personal loans in Aynor, SC

To lend to Aynor's 1,051 residents, a company must hold a South Carolina licence, and each sourced row below names the regulator behind it. With 1,051 residents, Aynor outranks about 45% of the communities in South Carolina.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Aynor is a small community of about 1,051 residents, and a personal loan taken out here is governed by South Carolina statute. Census figures put the 2020-to-2023 increase in Aynor at about 7.8%. For a community of about 1,051, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Mullins, SC about 14 miles away.

Aynor: population, trend and location

Two layers matter for a Aynor borrower: the local population picture and South Carolina's consumer-lending statutes.

The geography behind Aynor

Aynor's land area is roughly 1.8 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 583 residents per square mile. The state's population centre of gravity, Charleston, is roughly 92 miles away. Counting outward 50 miles, 32 larger communities surround Aynor. Within the same 50 miles lie 28 smaller Census places.

How Aynor compares across South Carolina

Within South Carolina, Aynor holds roughly 0.1% of all residents, the 149th-largest share among 271 places. On the 2020-to-2023 trend, Aynor stands 37th among South Carolina's 271 places — roughly the 86th percentile. Its roughly 583 residents per square mile place it 137th among South Carolina's places. Between 2020 and 2023 the count changed by roughly 76 residents.

Steps to take before a Aynor loan

Before you hand your details to a lender in Aynor, where the population is near 1,051:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the South Carolina licence with the regulator named above before committing.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Aynor and the rest of South Carolina is not the process but the borrower's own file, among the 1,051 people here.

The state rulebook for Aynor

For the roughly 1,051 residents of Aynor, the rules below are South Carolina's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorSouth Carolina State Board of Financial Institutions - Consumer Finance Division (Office of the Commissioner of Consumer Finance)
Source says: "South Carolina State Board of Financial Institutions Office of the Commissioner of Consumer Finance" (site heading).
South Carolina State Board of Financial Institutions - Consumer Finance Division
as of 2026-09-16
Supervised loan threshold (state-specific rule)Consumer loans with a finance charge above 12%/year are "supervised loans" requiring licensed supervised lenders; supervised lenders may charge up to 18% per year on unpaid balances.
Source says: "Supervised loan means a consumer loan in which the rate of the loan finance charge exceeds twelve percent per year" (37-3-301); "eighteen percent per year on the unpaid balances of principal" (37-3-201(2)(c)).
South Carolina Legislature (S.C. Code of Laws)
as of 2026-09-16
Maximum legal interest rate (usury cap)8.75% per annum statutory legal rate where no rate is agreed (judgment rate: Wall Street Journal prime + 4 points).
Source says: "the legal interest shall be at the rate of eight and three-fourths percent per annum" (S.C. Code 34-31-20(A)).
South Carolina Legislature (S.C. Code of Laws)
as of 2026-09-16

What a Aynor borrower is actually offered

In Aynor, a small community of about 1,051, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Aynor loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Aynor loan but raises total interest, so the smallest payment is not the cheapest loan.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Aynor if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Aynor is the same as anywhere in South Carolina.
What loan size can I expect in Aynor?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Aynor?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Aynor cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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