Personal loans in Hampton, SC

Every figure below is South Carolina's own, applied to Hampton's 2,610 residents, with the publisher and retrieval date attached. Hampton is home to roughly 2,610 people and stands 98th by size out of 271 Census places in South Carolina.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

With roughly 2,610 residents, Hampton is a small community, and the lending rules its borrowers live under are written in South Carolina, not by the city. Hampton lost roughly 3.5% of its population across the 2020-to-2023 comparison. Judge Hampton offers on total cost, not on how quickly the money arrives. The closest larger city is Walterboro, SC about 25 miles away.

Hampton: population, trend and location

The figures below are Hampton's own — Census population, land area and coordinates — followed by the South Carolina rules.

Hampton: area, density and distance

Hampton covers about 4.5 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 578 residents per square mile. Charleston, the largest place in South Carolina, is about 66 miles from Hampton. Counting outward 50 miles, 18 larger communities surround Hampton. The 100-mile radius contains 70 larger places.

The Hampton borrowing checklist

These steps shape the offer you get in Hampton, a place of about 2,610 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Make sure the lender appears in the South Carolina regulator's licence list.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across South Carolina; what changes is your credit file, not the fact that Hampton holds 2,610 people.

Hampton in state context

Within South Carolina, Hampton holds roughly 0.1% of all residents, the 98th-largest share among 271 places. On the 2020-to-2023 trend, Hampton stands 252nd among South Carolina's 271 places — roughly the 7th percentile. By density, at about 578 people per square mile, it ranks 140th in South Carolina. Within 50 miles sit 46 smaller Census places, alongside the 18 that are larger.

South Carolina rules behind a Hampton personal loan

Below are the South Carolina rules that apply to a loan made in Hampton, each with the regulator that issued it.

RuleDetailSource
State lending regulatorSouth 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 licensingConsumer 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

How lenders reach Hampton

Hampton is a moderately settled community of about 2,610 people, with 18 larger places inside a 50-mile radius. Lenders licensed in South Carolina reach Hampton's 2,610 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Walterboro, SC about 25 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Hampton 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 Hampton is the same as anywhere in South Carolina.
What loan size can I expect in Hampton?
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 Hampton?
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 Hampton 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.

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