Personal loans in Conway, SC

A personal loan in Conway is priced from your credit file and income, not from the fact that the city holds 27,985 people.

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

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To lend to Conway's 27,985 residents, a company must hold a South Carolina licence, and each sourced row below names the regulator behind it. Conway is one of 271 Census places in South Carolina; its 27,985 residents put it at 20th. Price two or three terms so you can see which payment is truly affordable in Conway. The 2020 count to the 2023 estimate shows about 12.0% growth in Conway. A larger market lies at Myrtle Beach, SC about 13 miles away.

Where Conway stands

Only a few things actually differ by place — population, area, location, and the South Carolina rules a lender must follow — and they are below.

Population: a Census-estimated 27,985, 20th among South Carolina's 271 places (Vintage 2023).
Population trend: The 2020-to-2023 change is positive, near 12.0%.
Net change: roughly 3,004 more people than the 2020 Census counted.
Size percentile: about 93% of South Carolina's Census places are smaller than Conway.
Density: roughly 1,012 residents per square mile, spread over 27.7 sq mi of land.
Land area: Conway covers 27.7 square miles, the 13th-largest area among South Carolina's 271 places.
Water area rank: Conway ranks 16th among South Carolina's 271 places, with 0.90 sq mi.
Share of state population: Conway's 27,985 residents are about 1.4% of South Carolina.
National rank: Conway is 1,400th of 19,457 places nationwide.
Growth rank: Conway's 2020-to-2023 change ranks 18th of 271 places in South Carolina.
Versus South Carolina: the state average change is +2.6%, while Conway moved 12.0%.
Density in South Carolina: Conway ranks 74th by people per square mile.
Against the state median: Conway runs about 1,012 residents per square mile, where the South Carolina median is 584.
Location: coordinates 33.8345, -79.0492 (US Census Bureau Gazetteer).
Nearest larger cities: Myrtle Beach (13 mi); Florence (49 mi); Leland (63 mi); Wilmington (71 mi); Sumter (78 mi). Lenders licensed in the state serve Conway whether or not they keep a local branch.
Smaller communities close by: Aynor (15 mi); Surfside Beach (16 mi); Briarcliffe Acres (18 mi), each with its own Census population profile.
Smaller neighbours: 45 places smaller than Conway sit within 50 miles.
At 100 miles: 11 larger Census places fall inside that radius.

Before you apply in Conway

For Conway's roughly 27,985 residents, these are the steps that most influence the offer:

Start with the credit file: order the reports, fix the errors, then apply.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Line up several pre-qualified offers and let the APR decide.
Verify the lender's South Carolina licence with the regulator listed on this page.
When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
Look for an origination fee or prepayment penalty in the written disclosure.
Make sure the new payment leaves room in a budget you already keep.

What differs between Conway and the rest of South Carolina is not the process but the borrower's own file, among the 27,985 people here.

What South Carolina law requires in Conway

Below are the South Carolina rules that apply to a loan made in Conway, each with the regulator that issued it.

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
Payday lending status	Legal for licensed deferred presentment providers; max $550 advanced at one time; fee limited to 15% of principal; term up to 31 days; 2025 repeal bill S.379 introduced but not enacted. Source says: "The total amount advanced by a licensee to any customer at one time for deferred presentment or deposit may not exceed five hundred fifty dollars" (34-39-180(B)); fees capped at "fifteen percent of the principal amount of the transaction" (34-39-180(E)).	South Carolina Legislature (S.C. Code of Laws) as of 2026-09-16
Small-loan / installment lender licensing	Consumer Finance Division licenses and regulates companies making consumer loans with APRs exceeding 12% (Title 37 Consumer Protection Code; Consumer Finance Act, Title 34, ch. 29). Source says: "The Consumer Finance Division (CFD) licenses and regulates the business activities of all companies... that make consumer loans which have annual percentage rates exceeding 12%."	South Carolina State Board of Financial Institutions - Consumer Finance Division as of 2026-09-16

How lenders reach Conway

Conway is a moderately settled community of about 27,985 people, with 2 larger places inside a 50-mile radius. Whether Conway has a local branch or not, a South Carolina-licensed lender can serve its 27,985 people online on the same terms. The nearest bigger place is Myrtle Beach, SC about 13 miles away.

How Conway compares across South Carolina

Set beside South Carolina's 271 places, Conway ranks 20th by population and holds about 1.4% of the state total. On the 2020-to-2023 trend, Conway stands 18th among South Carolina's 271 places — roughly the 93th percentile. Its roughly 1,012 residents per square mile place it 74th among South Carolina's places. By land area, its 27.7 square miles rank 13th of 271 places in South Carolina.

How a Conway personal loan is priced

In Conway, a smaller city of about 27,985, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Conway's rank of 20th in South Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Conway loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Conway?

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 Conway?

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 Conway 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

Myrtle Beach, SC — population 39,697
Aynor, SC — population 1,051
Surfside Beach, SC — population 4,321
Loris, SC — population 2,749
Briarcliffe Acres, SC — population 545
Atlantic Beach, SC — population 355
North Myrtle Beach, SC — population 20,303
Tabor City, NC — population 3,670