Personal loans in Cowpens, SC
A personal loan in Cowpens is priced from your credit file and income, not from the fact that the city holds 2,190 people.
Every figure below is South Carolina's own, applied to Cowpens's 2,190 residents, with the publisher and retrieval date attached. With an estimated 2,190 residents, Cowpens is the 107th-largest of 271 places in South Carolina. Compare APR, not the interest rate, because the APR folds in most fees on a Cowpens loan. Population in Cowpens climbed about 8.6% over the three years from 2020 to 2023. A larger market lies at Pacolet, SC about 8 miles away.
Local context for Cowpens
The figures below are Cowpens's own — Census population, land area and coordinates — followed by the South Carolina rules.
- Population: 2,190 residents; Cowpens is the 107th-largest of 271 places in South Carolina (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 8.6% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a gain of about 173 residents.
- Size percentile: with 2,190 residents, Cowpens is larger than about 61% of South Carolina's Census places.
- Density: the Census land area of 2.3 sq mi holds about 954 people per square mile.
- Land area rank: Cowpens's 2.3 square miles rank 151st of 271 places in South Carolina.
- Share of state population: Cowpens's 2,190 residents are about 0.1% of South Carolina.
- National rank: Cowpens is the 7,300th most populous of the 19,457 Census places covered here.
- Growth in South Carolina: Cowpens stands 32nd by percentage change from 2020 to 2023, among 271 places.
- Against the state trend: Cowpens's 8.6% change compares with a South Carolina average of +2.6% across its 271 places.
- Density rank: Cowpens places 84th among South Carolina's places by people per square mile.
- Against the state median: Cowpens runs about 954 residents per square mile, where the South Carolina median is 584.
- Location: 35.0186 / -81.8041, per the US Census Bureau Gazetteer.
- Nearest larger cities: Pacolet (8 mi); Spartanburg (9 mi); Gaffney (9 mi); Inman (16 mi); Wellford (17 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Central Pacolet (8 mi); Chesnee (9 mi); Jonesville (15 mi), each with its own Census population profile.
- Within a 50-mile radius: 43 smaller Census places.
- At 100 miles: 159 larger Census places fall inside that radius.
Where Cowpens sits in South Carolina
Cowpens is the 107th-largest of 271 Census places in South Carolina and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 32nd of 271 South Carolina places, putting it near the 88th percentile for growth. Its roughly 954 residents per square mile place it 84th among South Carolina's places. Between 2020 and 2023 the count changed by roughly 173 residents.
Borrowing reach in Cowpens
Cowpens is moderately settled, with about 954 people per square mile and 48 larger places within 50 miles. Lenders licensed in South Carolina reach Cowpens's 2,190 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Pacolet, SC about 8 miles away.
The South Carolina lending rules that reach Cowpens
When South Carolina does not publish a figure, the row links to the source instead of inventing a number; Cowpens 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 Cowpens personal loan
With roughly 2,190 residents, Cowpens 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 Cowpens can be quoted different APRs on the same amount and term. Shortening the term on a Cowpens loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Land, water and location for Cowpens
The Census Gazetteer records about 2.3 square miles of land within Cowpens, with no significant water area listed. Spread across it are roughly 954 residents per square mile. For the state's biggest city, Charleston, the distance is roughly 184 miles. Counting outward 50 miles, 48 larger communities surround Cowpens. By land area it ranks 151st of 271 South Carolina places.
Common questions
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Nearby places
- Pacolet, SC — population 2,477
- Central Pacolet, SC — population 228
- Chesnee, SC — population 905
- Spartanburg, SC — population 39,040
- Gaffney, SC — population 12,484
- Jonesville, SC — population 821
- Boiling Springs, NC — population 4,637
- Inman, SC — population 3,249