Personal loans in Cross Hill, SC

Cross Hill is a small community of about 413 residents, and a personal loan taken out here is governed by South Carolina statute. To lend to Cross Hill's 413 residents, a company must hold a South Carolina licence, and each sourced row below names the regulator behind it. Decide the purpose of the loan and your repayment plan before sharing any details with a Cross Hill lender. The closest larger place is Ninety Six, SC about 10 miles away.

What the Census records for Cross Hill

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

• Population: 413 people, a figure that places Cross Hill 201st among the 271 Census places in South Carolina (US Census Bureau, Vintage 2023).
• Population trend: About 3.0% above the 2020 Census base.
• People gained or lost: about 12 more since the 2020 base.
• Size percentile: roughly 26% of South Carolina's places have fewer residents than Cross Hill's 413.
• Population density: 130 people per square mile on 3.2 square miles of land.
• Land area: Cross Hill covers 3.2 square miles, the 123rd-largest area among South Carolina's 271 places.
• Share of South Carolina: Cross Hill holds about 0.0% of the state's population, some 413 people.
• Nationally: Cross Hill is the 13,962nd-largest of 19,457 Census places in the dataset.
• Growth rank: Cross Hill's 2020-to-2023 change ranks 91st of 271 places in South Carolina.
• Versus South Carolina: the state average change is +2.6%, while Cross Hill moved 3.0%.
• Density rank: Cross Hill is the 240th most densely settled place in South Carolina.
• Density in context: Cross Hill's 130 people per square mile sit against a South Carolina median of 584.
• Location: the Census Gazetteer records it at 34.3045, -81.9836.
• Nearest larger cities: Ninety Six (10 mi); Greenwood (12 mi); Clinton (14 mi); Laurens (14 mi); Ware Shoals (16 mi). Larger metros often have more branches, but online lenders reach Cross Hill on the same terms.
• Smaller towns nearby: Waterloo (6 mi); Hodges (15 mi); Silverstreet (16 mi).
• Smaller neighbours: 19 places smaller than Cross Hill sit within 50 miles.
• Larger places within 100 miles: 248.

Inside a Cross Hill personal loan

Most loans made to Cross Hill's 413 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Cross Hill loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Cross Hill loan but raises total interest, so the smallest payment is not the cheapest loan.

A pre-application checklist for Cross Hill

Before you apply in Cross Hill, a community of about 413, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the South Carolina regulator's records to confirm the lender is licensed here.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Cross Hill-specific: the same South Carolina licensing and disclosure rules reach all 413 residents.

Cross Hill: area, density and distance

Cross Hill's land area is roughly 3.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 130 residents per square mile. For the state's biggest city, Charleston, the distance is roughly 154 miles. A 50-mile radius around Cross Hill takes in 46 places that are larger. The 100-mile radius contains 248 larger places.

How lenders reach Cross Hill

Cross Hill is a lightly settled community of about 413 people, with 46 larger places inside a 50-mile radius. Whether Cross Hill has a local branch or not, a South Carolina-licensed lender can serve its 413 people online on the same terms. For a larger market, the closest option is Ninety Six, SC about 10 miles away.

Which South Carolina laws govern a loan in Cross Hill

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