Personal loans in Denmark, SC
Denmark is a small community in South Carolina, with an estimated 3,099 residents, and every licensed lender here follows the same state rulebook. Census figures put the 2020-to-2023 decrease in Denmark at about 2.5%.
With 3,099 residents, Denmark outranks about 68% of the communities in South Carolina. Decide the purpose of the loan and your repayment plan before sharing any details with a Denmark lender. A single loan can carry different costs on either side of a state line, and Denmark sits on the South Carolina side of that line. For a bigger market, look to Barnwell, SC about 14 miles away.
Borrowing in Denmark: the local picture
Most of what governs a Denmark loan is written in South Carolina law rather than in the city; the sourced notes below make that split concrete.
- Population: 3,099 — Denmark ranks 88th of 271 communities in South Carolina (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 2.5%.
- Absolute change: 81 residents lost between 2020 and 2023.
- Size percentile: Denmark sits ahead of around 68% of South Carolina places, at 3,099 people.
- Population density: 793 people per square mile on 3.9 square miles of land.
- Land area: Denmark covers 3.9 square miles, the 99th-largest area among South Carolina's 271 places.
- State population share: Denmark accounts for about 0.2% of everyone in South Carolina.
- National standing: Denmark ranks 6,177th of 19,457 US places.
- Growth rank: Denmark ranks 225th among South Carolina's 271 places for the 2020-to-2023 change.
- Versus South Carolina: the state average change is +2.6%, while Denmark moved 2.5%.
- Density rank: Denmark is the 104th most densely settled place in South Carolina.
- Density in context: Denmark's 793 people per square mile sit against a South Carolina median of 584.
- Location: coordinates 33.3137, -81.1338 (US Census Bureau Gazetteer).
- Nearest larger cities: Barnwell (14 mi); Orangeburg (20 mi); Aiken (37 mi); Walterboro (39 mi); Cayce (44 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Bamberg (6 mi); Govan (7 mi); Hilda (7 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 71 of them.
- At 100 miles: 65 larger Census places fall inside that radius.
Borrowing reach in Denmark
Denmark is moderately settled, with about 793 people per square mile and 10 larger places within 50 miles. A South Carolina licence lets a lender serve Denmark without a local office, so branch density does not change what its 3,099 residents are offered. The nearest bigger place is Barnwell, SC about 14 miles away.
Which South Carolina laws govern a loan in Denmark
South Carolina has no separate rate rule for Denmark; the sourced rows below are what reach every lender that serves its 3,099 people.
| 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 |
| 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 |
| 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 |
Steps to take before a Denmark loan
Before you apply in Denmark, a community of about 3,099, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Confirm the South Carolina licence with the regulator named above before committing.
- Make sure the new payment leaves room in a budget you already keep.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
In Denmark as elsewhere in South Carolina, the written terms — not the advertisement — are what count for its 3,099 residents.
Where Denmark sits in South Carolina
Denmark is the 88th-largest of 271 Census places in South Carolina and contains about 0.2% of the state's people. For population change between 2020 and 2023, Denmark ranks 225th of 271 in South Carolina (about the 17th percentile). By density, at about 793 people per square mile, it ranks 104th in South Carolina. The population moved by about 81 people between 2020 and 2023, a 2.5% shift.
Land, water and location for Denmark
The Census Gazetteer records about 3.9 square miles of land within Denmark, with no significant water area listed. Spread across it are roughly 793 residents per square mile. The largest place in South Carolina, Charleston, lies about 75 miles away. Denmark has 10 larger places within a 50-mile radius. The 100-mile radius contains 65 larger places.
Common questions
What are my options in Denmark if my credit is poor?
What loan size can I expect in Denmark?
Do I have to pledge anything to borrow in Denmark?
Does comparing loans in Denmark cost me credit score points?
Nearby places
- Govan, SC — population 52
- Bamberg, SC — population 2,985
- Hilda, SC — population 422
- Norway, SC — population 276
- Cope, SC — population 32
- Olar, SC — population 208
- Blackville, SC — population 1,907
- Neeses, SC — population 313