Personal loans in Cayce, SC

In Cayce, one of 271 Census places in South Carolina, the figure to compare across lenders is the APR, not the advertised rate. For a community of about 13,660, the practical step is to compare APR across at least three lenders before committing. A single loan can carry different costs on either side of a state line, and Cayce sits on the South Carolina side of that line. The nearest larger city is West Columbia, SC about 4 miles away.

The Cayce data picture

The figures below are Cayce's own — Census population, land area and coordinates — followed by the South Carolina rules.

• Population: a Census-estimated 13,660, 34th among South Carolina's 271 places (Vintage 2023).
• Population trend: A drop of about 0.8% from 2020 to 2023.
• Net change: roughly 110 fewer people than the 2020 Census counted.
• Size percentile: with 13,660 residents, Cayce is larger than about 87% of South Carolina's Census places.
• Land and density: 16.9 square miles of land carry roughly 809 residents per square mile.
• By land area: Cayce ranks 28th among South Carolina's 271 places, at 16.9 sq mi.
• Water area: Cayce has 0.86 square miles of water, ranking 18th of 271 places in South Carolina.
• State population share: Cayce accounts for about 0.7% of everyone in South Carolina.
• National standing: Cayce ranks 2,527th of 19,457 US places.
• Growth in South Carolina: Cayce stands 174th by percentage change from 2020 to 2023, among 271 places.
• Against the state trend: Cayce's 0.8% change compares with a South Carolina average of +2.6% across its 271 places.
• Density in South Carolina: Cayce ranks 102nd by people per square mile.
• Against the state median: Cayce runs about 809 residents per square mile, where the South Carolina median is 584.
• Location: 33.9505, -81.0398 (Census Gazetteer coordinates).
• Nearest larger cities: West Columbia (4 mi); Columbia (10 mi); Lexington (11 mi); Sumter (37 mi); Aiken (49 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: Springdale (4 mi); Pine Ridge (4 mi); South Congaree (6 mi).
• Within a 50-mile radius: 66 smaller Census places.
• Larger places within 100 miles: 37.

Before you apply in Cayce

For Cayce's roughly 13,660 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a South Carolina licence by checking the regulator named above.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

In Cayce as elsewhere in South Carolina, the written terms — not the advertisement — are what count for its 13,660 residents.

The state rulebook for Cayce

The rows below set out what a licensed lender must follow in South Carolina, and so for Cayce's roughly 13,660 residents.

Cayce on the map

Cayce's land area is about 16.9 square miles; a further 0.86 square miles is water. That land carries about 809 people per square mile. The largest place in South Carolina, Charleston, lies about 99 miles away. Counting outward 50 miles, 5 larger communities surround Cayce. Within the same 50 miles lie 66 smaller Census places.

Cayce's place among South Carolina's 271 places

Within South Carolina, Cayce holds roughly 0.7% of all residents, the 34th-largest share among 271 places. For population change between 2020 and 2023, Cayce ranks 174th of 271 in South Carolina (about the 36th percentile). By density, at about 809 people per square mile, it ranks 102nd in South Carolina. Between 2020 and 2023 the count changed by roughly 110 residents.

What a Cayce borrower is actually offered

Most loans made to Cayce's 13,660 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Cayce's rank of 34th in South Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Cayce loan is knowable in advance — unlike a revolving card balance.