Personal loans in Harleyville, SC
Rate ceilings, licensing requirements and product limits for Harleyville are all set at the South Carolina level. Harleyville ranks 174th of 271 places in South Carolina, with a population near 718. Harleyville is a small community of about 718 residents, and a personal loan taken out here is governed by South Carolina statute. The 2020 count to the 2023 estimate shows about 7.3% growth in Harleyville. Price two or three terms so you can see which payment is truly affordable in Harleyville. The closest larger place is St. George, SC about 8 miles away.
Where Harleyville stands
Harleyville is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 718 residents; Harleyville is the 174th-largest of 271 places in South Carolina (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 7.3% since the 2020 count.
- Net change: roughly 49 more people than the 2020 Census counted.
- Size percentile: with 718 residents, Harleyville is larger than about 36% of South Carolina's Census places.
- Population density: 676 people per square mile on 1.1 square miles of land.
- By land area: Harleyville ranks 212th among South Carolina's 271 places, at 1.1 sq mi.
- State share: roughly 0.0% of South Carolina's residents live in Harleyville (718 people).
- National rank: Harleyville is the 11,684th most populous of the 19,457 Census places covered here.
- Growth in South Carolina: Harleyville stands 39th by percentage change from 2020 to 2023, among 271 places.
- Versus South Carolina: the state average change is +2.6%, while Harleyville moved 7.3%.
- Density rank: Harleyville places 122nd among South Carolina's places by people per square mile.
- Density vs South Carolina: Harleyville's 676 people per square mile compare with a state median of 584.
- Location: 33.2131 / -80.4478, per the US Census Bureau Gazetteer.
- Nearest larger cities: St. George (8 mi); Holly Hill (8 mi); Ridgeville (12 mi); Bowman (17 mi); Santee (19 mi). Online lenders reach Harleyville no matter how far the nearest branch is.
- Nearest smaller towns: Reevesville (11 mi); Eutawville (14 mi); Vance (16 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 32 smaller Census places.
- Within 100 miles: 121 places are larger than Harleyville.
A practical checklist for Harleyville borrowers
Complete these steps first when you borrow in Harleyville (718 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Look the lender up in the South Carolina regulator's licence records before you sign.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
The process is identical across South Carolina; what changes is your credit file, not the fact that Harleyville holds 718 people.
What shapes a Harleyville personal loan
In Harleyville, a small community of about 718, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Harleyville. Shortening the term on a Harleyville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How South Carolina law applies in Harleyville
When South Carolina does not publish a figure, the row links to the source instead of inventing a number; Harleyville is bound by the same rules.
| 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 |
| 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 |
| Maximum legal interest rate (usury cap) | 8.75% per annum statutory legal rate where no rate is agreed (judgment rate: Wall Street Journal prime + 4 points). Source says: "the legal interest shall be at the rate of eight and three-fourths percent per annum" (S.C. Code 34-31-20(A)). | South Carolina Legislature (S.C. Code of Laws) as of 2026-09-16 |
Where Harleyville sits in South Carolina
Against South Carolina's other places, Harleyville accounts for about 0.0% of the state's population and ranks 174th of 271 by size. Its 2020-to-2023 change ranks 39th of 271 South Carolina places, putting it near the 86th percentile for growth. Its roughly 676 residents per square mile place it 122nd among South Carolina's places. In land area, Harleyville ranks 212th among South Carolina's 271 places.
Harleyville on the map
The Census Gazetteer records about 1.1 square miles of land within Harleyville, with no significant water area listed. With 718 residents, the land area yields roughly 676 people per square mile. The state's population centre of gravity, Charleston, is roughly 38 miles away. Counting outward 50 miles, 39 larger communities surround Harleyville. By land area it ranks 212th of 271 South Carolina places.
Common questions
What are my options in Harleyville if my credit is poor?
What loan size can I expect in Harleyville?
Do I have to pledge anything to borrow in Harleyville?
Does comparing loans in Harleyville cost me credit score points?
Nearby places
- Holly Hill, SC — population 1,252
- St. George, SC — population 1,834
- Ridgeville, SC — population 1,629
- Reevesville, SC — population 195
- Eutawville, SC — population 235
- Vance, SC — population 124
- Bowman, SC — population 765
- Santee, SC — population 812