Personal loans in Edisto Beach, SC

Population in Edisto Beach climbed about 1.6% over the three years from 2020 to 2023. Edisto Beach is a small community in South Carolina, with an estimated 1,049 residents, and every licensed lender here follows the same state rulebook.

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

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With 1,049 residents, Edisto Beach outranks about 45% of the communities in South Carolina. The closest larger place is Seabrook Island, SC about 9 miles away. A single loan can carry different costs on either side of a state line, and Edisto Beach sits on the South Carolina side of that line. Use the calculator on this page to price an amount and term before you commit in Edisto Beach.

Edisto Beach by the numbers

Edisto Beach is a small community; the notes below cover its population profile and the statewide rules that apply.

Population: 1,049 people, a figure that places Edisto Beach 150th among the 271 Census places in South Carolina (US Census Bureau, Vintage 2023).
Population trend: Growth of about 1.6% across the 2020-to-2023 comparison.
Change in people: the 2020-to-2023 comparison is a gain of about 17 residents.
Size percentile: about 45% of South Carolina communities are smaller than Edisto Beach (1,049 residents).
Density: the Census land area of 2.1 sq mi holds about 492 people per square mile.
By land area: Edisto Beach ranks 155th among South Carolina's 271 places, at 2.1 sq mi.
Water area rank: Edisto Beach ranks 37th among South Carolina's 271 places, with 0.19 sq mi.
Share of state population: Edisto Beach's 1,049 residents are about 0.1% of South Carolina.
National rank: Edisto Beach is 10,024th of 19,457 places nationwide.
Growth rank: Edisto Beach ranks 113th among South Carolina's 271 places for the 2020-to-2023 change.
State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Edisto Beach's 1.6%.
Density in South Carolina: Edisto Beach ranks 157th by people per square mile.
Density in context: Edisto Beach's 492 people per square mile sit against a South Carolina median of 584.
Location: 32.4987, -80.3135 (US Census Bureau Gazetteer).
Nearest larger cities: Seabrook Island (9 mi); Meggett (14 mi); Kiawah Island (17 mi); Hollywood (19 mi); Ravenel (20 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller towns: Rockville (10 mi); Cottageville (32 mi); Williams (48 mi).
Smaller neighbours: 4 places smaller than Edisto Beach sit within 50 miles.
Within 100 miles: 69 places are larger than Edisto Beach.

Steps to take before a Edisto Beach loan

Before you apply in Edisto Beach, a community of about 1,049, work through these steps:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Check the South Carolina regulator's records to confirm the lender is licensed here.
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.
Pick the shortest term whose payment you can comfortably afford.

In Edisto Beach as elsewhere in South Carolina, the written terms — not the advertisement — are what count for its 1,049 residents.

The anatomy of a Edisto Beach personal loan

In Edisto Beach, a small community of about 1,049, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Edisto Beach lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Edisto Beach loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Edisto Beach borrowers

At roughly 492 people per square mile, Edisto Beach is lightly settled; 27 larger places lie within 50 miles. What is available to Edisto Beach's 1,049 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Seabrook Island, SC about 9 miles away.

How Edisto Beach compares across South Carolina

Within South Carolina, Edisto Beach holds roughly 0.1% of all residents, the 150th-largest share among 271 places. For population change between 2020 and 2023, Edisto Beach ranks 113th of 271 in South Carolina (about the 58th percentile). Its roughly 492 residents per square mile place it 157th among South Carolina's places. Between 2020 and 2023 the count changed by roughly 17 residents.

How South Carolina law applies in Edisto Beach

These are South Carolina's sourced lending facts as they reach Edisto Beach's 1,049 residents; the state has no city-level rate rule.

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

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Common questions

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

What loan size can I expect in Edisto Beach?

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 Edisto Beach?

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 Edisto Beach 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

Seabrook Island, SC — population 2,103
Rockville, SC — population 138
Meggett, SC — population 1,431
Hollywood, SC — population 5,445
Kiawah Island, SC — population 1,975
Ravenel, SC — population 2,642
Folly Beach, SC — population 2,083
Beaufort, SC — population 13,850