Personal loans in Gaffney, SC

A lender serving Gaffney holds a South Carolina licence and answers to a South Carolina regulator; no city office is involved for its 12,484 residents. Work out your debt-to-income ratio first; lenders weigh it heavily, and Gaffney's 12,484 residents are no exception. For the 12,484 people in Gaffney, South Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The 2020 count to the 2023 estimate shows about 2.2% decline in Gaffney. The nearest larger city is Shelby, NC about 16 miles away.

Gaffney: the sourced local profile

Gaffney is a small town; the notes below cover its population profile and the statewide rules that apply.

• Population: a Census-estimated 12,484, 37th among South Carolina's 271 places (Vintage 2023).
• Population trend: A decline of about 2.2% across the 2020-to-2023 comparison.
• Net change: roughly 280 fewer people than the 2020 Census counted.
• Size percentile: roughly 86% of South Carolina's places have fewer residents than Gaffney's 12,484.
• Population density: about 1,376 people per square mile (Census land area 9.1 sq mi).
• Land area rank: Gaffney's 9.1 square miles rank 48th of 271 places in South Carolina.
• Water: Gaffney holds about 0.02 square miles, the 93rd-largest water area in South Carolina.
• State population share: Gaffney accounts for about 0.6% of everyone in South Carolina.
• Nationally: Gaffney is the 2,700th-largest of 19,457 Census places in the dataset.
• Growth in South Carolina: Gaffney stands 216th by percentage change from 2020 to 2023, among 271 places.
• Versus South Carolina: the state average change is +2.6%, while Gaffney moved 2.2%.
• Density rank: Gaffney places 39th among South Carolina's places by people per square mile.
• Density vs South Carolina: Gaffney's 1,376 people per square mile compare with a state median of 584.
• Location: mapped by the US Census Bureau at 35.0736, -81.6615.
• Nearest larger cities: Shelby (16 mi); Spartanburg (17 mi); Gastonia (29 mi); Greer (34 mi); Belmont (37 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Blacksburg (9 mi); Cowpens (9 mi); Earl (11 mi).
• Smaller places within 50 miles: 82 of them.
• At 100 miles: 52 larger Census places fall inside that radius.

What a Gaffney borrower is actually offered

Gaffney is a small town of about 12,484 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Gaffney 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 Gaffney loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Gaffney

At roughly 1,376 people per square mile, Gaffney is moderately settled; 18 larger places lie within 50 miles. A South Carolina licence lets a lender serve Gaffney without a local office, so branch density does not change what its 12,484 residents are offered. The nearest bigger place is Shelby, NC about 16 miles away.

How Gaffney compares across South Carolina

Gaffney is the 37th-largest of 271 Census places in South Carolina and contains about 0.6% of the state's people. For population change between 2020 and 2023, Gaffney ranks 216th of 271 in South Carolina (about the 20th percentile). At about 1,376 people per square mile, Gaffney is the 39th most densely settled place in South Carolina. In land area, Gaffney ranks 48th among South Carolina's 271 places.

The South Carolina lending rules that reach Gaffney

These are South Carolina's sourced lending facts as they reach Gaffney's 12,484 residents; the state has no city-level rate rule.

Gaffney: area, density and distance

The Census Gazetteer records 9.1 square miles of land and 0.02 square miles of water within Gaffney. That land carries about 1,376 people per square mile. Charleston, the largest place in South Carolina, is about 183 miles from Gaffney. Gaffney has 18 larger places within a 50-mile radius. Within the same 50 miles lie 82 smaller Census places.