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.

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.

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.

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.

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
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):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the South Carolina regulator's licence records before you sign.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. 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.

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 Jamestown 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 Jamestown is the same as anywhere in South Carolina.
What loan size can I expect in Jamestown?
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 Jamestown?
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 Jamestown 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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