Personal loans in Chesterfield, SC

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Chesterfield's 1,361 residents. A lender serving Chesterfield holds a South Carolina licence and answers to a South Carolina regulator; no city office is involved for its 1,361 residents. Roughly 1,361 residents live in Chesterfield, the 140th-largest community in South Carolina. Chesterfield gained roughly 0.4% in population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Chesterfield loan. The nearest larger metro is Cheraw, SC about 10 miles away.

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

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Local context for Chesterfield

Read the local figures below as context; read the sourced South Carolina table as the rulebook a lender here must follow.

Population: about 1,361 people live here, which puts Chesterfield 140th of 271 Census places in South Carolina (Vintage 2023).
Population trend: Higher by roughly 0.4% since the 2020 count.
Absolute change: 6 residents added between 2020 and 2023.
Size percentile: about 48% of South Carolina communities are smaller than Chesterfield (1,361 residents).
Population density: 334 people per square mile on 4.1 square miles of land.
Land area rank: Chesterfield's 4.1 square miles rank 94th of 271 places in South Carolina.
State population share: Chesterfield accounts for about 0.1% of everyone in South Carolina.
Nationally: Chesterfield is the 9,067th-largest of 19,457 Census places in the dataset.
Growth rank: Chesterfield's 2020-to-2023 change ranks 144th of 271 places in South Carolina.
Against the state trend: Chesterfield's 0.4% change compares with a South Carolina average of +2.6% across its 271 places.
Density rank: Chesterfield places 179th among South Carolina's places by people per square mile.
Against the state median: Chesterfield runs about 334 residents per square mile, where the South Carolina median is 584.
Location: it lies at 34.7330, -80.0780 in the Census Gazetteer.
Nearest larger cities: Cheraw (10 mi); Wadesboro (16 mi); Pageland (18 mi); Polkton (20 mi); Rockingham (23 mi). Online lenders reach Chesterfield no matter how far the nearest branch is.
Smaller places nearby: Ruby (6 mi); McFarlan (8 mi); Mount Croghan (9 mi).
Smaller neighbours: 36 places smaller than Chesterfield sit within 50 miles.
Within 100 miles: 188 places are larger than Chesterfield.

Getting a loan in Chesterfield

Chesterfield is a lightly settled community of about 1,361 people, with 51 larger places inside a 50-mile radius. What is available to Chesterfield's 1,361 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Cheraw, SC about 10 miles away.

Chesterfield in state context

Chesterfield is the 140th-largest of 271 Census places in South Carolina and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Chesterfield stands 144th among South Carolina's 271 places — roughly the 47th percentile. Its roughly 334 residents per square mile place it 179th among South Carolina's places. By land area, its 4.1 square miles rank 94th of 271 places in South Carolina.

Which South Carolina laws govern a loan in Chesterfield

When South Carolina does not publish a figure, the row links to the source instead of inventing a number; Chesterfield is bound by the same rules.

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

Inside a Chesterfield personal loan

In Chesterfield, a small community of about 1,361, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Chesterfield lender to disclose the APR and finance charge before you sign. The term you choose in Chesterfield decides the split between a comfortable payment and the total interest you pay.

A practical checklist for Chesterfield borrowers

Before you hand your details to a lender in Chesterfield, where the population is near 1,361:

Get your credit reports, dispute what is wrong, and only then start shopping.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Collect three or more offers and compare them on APR, not on the advertised rate.
Check the South Carolina regulator's records to confirm the lender is licensed here.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Read the disclosure for an origination fee and any prepayment penalty before signing.
Test the payment against your current bills before you commit.

The process is identical across South Carolina; what changes is your credit file, not the fact that Chesterfield holds 1,361 people.

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Common questions

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

What loan size can I expect in Chesterfield?

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 Chesterfield?

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 Chesterfield 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

Ruby, SC — population 321
McFarlan, NC — population 89
Morven, NC — population 327
Mount Croghan, SC — population 133
Patrick, SC — population 281
Cheraw, SC — population 4,995
Wadesboro, NC — population 4,935
Lilesville, NC — population 391