Personal loans in Bennettsville, SC

In Bennettsville, one of 271 Census places in South Carolina, the figure to compare across lenders is the APR, not the advertised rate. Bennettsville is home to roughly 6,540 people and stands 55th by size out of 271 Census places in South Carolina. The nearest larger city is Laurinburg, NC about 15 miles away. The trend for Bennettsville between 2020 and 2023 is downward by roughly 6.8%. For the 6,540 people in Bennettsville, South Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Work out your debt-to-income ratio first; lenders weigh it heavily, and Bennettsville's 6,540 residents are no exception.

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

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The Bennettsville data picture

What follows is Bennettsville's place in the Census record, alongside the South Carolina rules that govern a personal loan made here.

Population: 6,540 residents; Bennettsville is the 55th-largest of 271 places in South Carolina (US Census Bureau, Vintage 2023).
Population trend: A loss of roughly 6.8% between 2020 and 2023.
Absolute change: 477 residents lost between 2020 and 2023.
Size percentile: about 80% of South Carolina communities are smaller than Bennettsville (6,540 residents).
Density: the Census land area of 6.2 sq mi holds about 1,059 people per square mile.
By land area: Bennettsville ranks 67th among South Carolina's 271 places, at 6.2 sq mi.
Water: Bennettsville holds about 0.63 square miles, the 21st-largest water area in South Carolina.
Share of South Carolina: Bennettsville holds about 0.3% of the state's population, some 6,540 people.
National standing: Bennettsville ranks 4,153rd of 19,457 US places.
Growth rank: Bennettsville ranks 266th among South Carolina's 271 places for the 2020-to-2023 change.
State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Bennettsville's 6.8%.
Density in South Carolina: Bennettsville ranks 69th by people per square mile.
Against the state median: Bennettsville runs about 1,059 residents per square mile, where the South Carolina median is 584.
Location: coordinates 34.6282, -79.6860 (US Census Bureau Gazetteer).
Nearest larger cities: Laurinburg (15 mi); Rockingham (22 mi); Hartsville (29 mi); Florence (32 mi); Aberdeen (38 mi). Online lenders reach Bennettsville no matter how far the nearest branch is.
Nearest smaller towns: Tatum (6 mi); Blenheim (8 mi); McColl (8 mi).
Within a 50-mile radius: 73 smaller Census places.
At 100 miles: 75 larger Census places fall inside that radius.

Lender access in Bennettsville

Bennettsville is moderately settled, with about 1,059 people per square mile and 9 larger places within 50 miles. A South Carolina licence lets a lender serve Bennettsville without a local office, so branch density does not change what its 6,540 residents are offered. For a larger market, the closest option is Laurinburg, NC about 15 miles away.

How Bennettsville compares across South Carolina

Against South Carolina's other places, Bennettsville accounts for about 0.3% of the state's population and ranks 55th of 271 by size. On the 2020-to-2023 trend, Bennettsville stands 266th among South Carolina's 271 places — roughly the 2th percentile. By density, at about 1,059 people per square mile, it ranks 69th in South Carolina. Between 2020 and 2023 the count changed by roughly 477 residents.

Which South Carolina laws govern a loan in Bennettsville

The rows below set out what a licensed lender must follow in South Carolina, and so for Bennettsville's roughly 6,540 residents.

Rule	Detail	Source
State lending regulator	South 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 shapes a Bennettsville personal loan

With roughly 6,540 residents, Bennettsville is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Bennettsville's 6,540 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Bennettsville loan but raises total interest, so the smallest payment is not the cheapest loan.

What to do before borrowing in Bennettsville

These steps shape the offer you get in Bennettsville, a place of about 6,540 people:

Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
Price the payment first with our personal loan calculator before any lender quotes you.
Shop at least three lenders and judge them on APR and total cost.
Make sure the lender appears in the South Carolina regulator's licence list.
Keep the amount to the expense; an approval is not a reason to take more.
Be clear on what the loan is for and how it gets repaid.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across South Carolina; what changes is your credit file, not the fact that Bennettsville holds 6,540 people.

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Common questions

What are my options in Bennettsville 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 Bennettsville is the same as anywhere in South Carolina.

What loan size can I expect in Bennettsville?

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 Bennettsville?

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 Bennettsville 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

Tatum, SC — population 71
Blenheim, SC — population 110
McColl, SC — population 1,993
Clio, SC — population 582
Gibson, NC — population 445
Society Hill, SC — population 430
Cheraw, SC — population 4,995
Laurinburg, NC — population 15,021