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Personal loans in Cordova, SC

Cordova shed about 3.6% of its population between the 2020 base and the 2023 estimate. By population, Cordova sits at 247th in South Carolina, with an estimated 133 residents. The roughly 133 people who live in Cordova borrow under South Carolina rules; city hall sets no personal-loan rate. Pull your credit reports and line up at least three offers before you apply from Cordova. A single loan can carry different costs on either side of a state line, and Cordova sits on the South Carolina side of that line. The closest larger city is Orangeburg, SC about 5 miles away.

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

Compare loan offers Run the numbers first

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.

What the Census records for Cordova

Most of what governs a Cordova loan is written in South Carolina law rather than in the city; the sourced notes below make that split concrete.

How a Cordova personal loan is priced

With roughly 133 residents, Cordova is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Cordova can be quoted different APRs on the same amount and term. The term you choose in Cordova decides the split between a comfortable payment and the total interest you pay.

What South Carolina law requires in Cordova

These are South Carolina's sourced lending facts as they reach Cordova's 133 residents; the state has no city-level rate rule.

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
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
Payday lending statusLegal 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

Land, water and location for Cordova

The Census Gazetteer records about 0.4 square miles of land within Cordova, with no significant water area listed. Spread across it are roughly 305 residents per square mile. Charleston, the largest place in South Carolina, is about 69 miles from Cordova. Within 50 miles of Cordova there are 67 larger Census places. Within the same 50 miles lie 10 smaller Census places.

Cordova against the rest of South Carolina

Among South Carolina's 271 places, Cordova sits at 247th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 253rd of 271 South Carolina places, putting it near the 7th percentile for growth. At about 305 people per square mile, Cordova is the 187th most densely settled place in South Carolina. In land area, Cordova ranks 264th among South Carolina's 271 places.

What is available to Cordova borrowers

At roughly 305 people per square mile, Cordova is lightly settled; 67 larger places lie within 50 miles. A South Carolina licence lets a lender serve Cordova without a local office, so branch density does not change what its 133 residents are offered. The nearest larger city, Orangeburg, SC about 5 miles away.

Compare personal loan offers Run the numbers first

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 Cordova 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 Cordova is the same as anywhere in South Carolina.
What loan size can I expect in Cordova?
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 Cordova?
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 Cordova 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.

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