Personal loans in Jamestown, SC
Personal loans in Jamestown are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 71 population. Jamestown's population held flat through the 2020-to-2023 comparison.
An estimated 71 people make their home in Jamestown, a figure that ranks 264th in South Carolina. Judge Jamestown offers on total cost, not on how quickly the money arrives. A lender that serves Jamestown operates under South Carolina lending statutes and a South Carolina supervisor. For a bigger market, look to Andrews, SC about 14 miles away.
The Jamestown data picture
Set out below is Jamestown's local context next to the state-level rules that reach every lender here.
- Population: 71 — Jamestown ranks 264th of 271 communities in South Carolina (US Census Bureau, Vintage 2023).
- Population trend: No meaningful shift since the 2020 count.
- Size percentile: roughly 3% of South Carolina's places have fewer residents than Jamestown's 71.
- Density: the Census land area of 0.6 sq mi holds about 117 people per square mile.
- Land area: Jamestown covers 0.6 square miles, the 260th-largest area among South Carolina's 271 places.
- Share of state population: Jamestown's 71 residents are about 0.0% of South Carolina.
- National rank: Jamestown sits 18,634th by population among the 19,457 places in this dataset.
- Growth rank: Jamestown's 2020-to-2023 change ranks 158th of 271 places in South Carolina.
- State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Jamestown's 0.0%.
- Density rank: Jamestown places 245th among South Carolina's places by people per square mile.
- Density in context: Jamestown's 117 people per square mile sit against a South Carolina median of 584.
- Location: 33.2859, -79.6946 (Census Gazetteer coordinates).
- Nearest larger cities: Andrews (14 mi); Bonneau (15 mi); St. Stephen (16 mi); Moncks Corner (18 mi); McClellanville (19 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Cope (76 mi); Govan (86 mi); Ulmer (88 mi).
- Smaller places within 50 miles: 0 of them.
- Within 100 miles: 166 places are larger than Jamestown.
How a Jamestown personal loan is priced
With roughly 71 residents, Jamestown is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Jamestown can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Jamestown loan is knowable in advance — unlike a revolving card balance.
What South Carolina law requires in Jamestown
Every row below records a South Carolina rule, its publisher and its retrieval date — the same rules a Jamestown lender must follow.
| 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 |
A pre-application checklist for Jamestown
Complete these steps first when you borrow in Jamestown (71 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Look the lender up in the South Carolina regulator's licence records before you sign.
- Check that the monthly payment fits your budget next to your existing obligations.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Keep the amount to the expense; an approval is not a reason to take more.
What differs between Jamestown and the rest of South Carolina is not the process but the borrower's own file, among the 71 people here.
Jamestown on the map
Inside Jamestown's boundaries lie about 0.6 square miles of land, with no significant water area recorded. With 71 residents, the land area yields roughly 117 people per square mile. Charleston, the largest place in South Carolina, is about 36 miles from Jamestown. Jamestown has 43 larger places within a 50-mile radius. The 100-mile radius contains 166 larger places.
How Jamestown compares across South Carolina
Set beside South Carolina's 271 places, Jamestown ranks 264th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Jamestown stands 158th among South Carolina's 271 places — roughly the 42th percentile. Its roughly 117 residents per square mile place it 245th among South Carolina's places. Within 50 miles sit 0 smaller Census places, alongside the 43 that are larger.
Common questions
What are my options in Jamestown if my credit is poor?
What loan size can I expect in Jamestown?
Do I have to pledge anything to borrow in Jamestown?
Does comparing loans in Jamestown cost me credit score points?
Nearby places
- Andrews, SC — population 2,546
- St. Stephen, SC — population 1,573
- Bonneau, SC — population 434
- McClellanville, SC — population 618
- Lane, SC — population 454
- Moncks Corner, SC — population 16,621
- Awendaw, SC — population 1,451
- Kingstree, SC — population 3,072