Personal loans in Johnsonville, SC

The roughly 1,368 people who live in Johnsonville borrow under South Carolina rules; city hall sets no personal-loan rate. Lenders active in Johnsonville report to a South Carolina supervisor, identified in the sourced rows below.

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

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Roughly 1,368 residents live in Johnsonville, the 139th-largest community in South Carolina. Decide the purpose of the loan and your repayment plan before sharing any details with a Johnsonville lender. Johnsonville lost roughly 0.9% of its population across the 2020-to-2023 comparison. Borrowers who want a bigger city can look to Lake City, SC about 18 miles away.

Local context for Johnsonville

Read the local figures below as context; read the sourced South Carolina table as the rulebook a lender here must follow.

Population: a Census-estimated 1,368, 139th among South Carolina's 271 places (Vintage 2023).
Population trend: A drop of about 0.9% from 2020 to 2023.
Net change: roughly 13 fewer people than the 2020 Census counted.
Size percentile: roughly 49% of South Carolina's places have fewer residents than Johnsonville's 1,368.
Population density: about 661 people per square mile across 2.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
Land area: Johnsonville covers 2.1 square miles, the 158th-largest area among South Carolina's 271 places.
Water area rank: Johnsonville ranks 92nd among South Carolina's 271 places, with 0.03 sq mi.
State share: roughly 0.1% of South Carolina's residents live in Johnsonville (1,368 people).
National rank: Johnsonville is the 9,053rd most populous of the 19,457 Census places covered here.
Growth in South Carolina: Johnsonville stands 178th by percentage change from 2020 to 2023, among 271 places.
State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Johnsonville's 0.9%.
Density rank: Johnsonville is the 126th most densely settled place in South Carolina.
Density vs South Carolina: Johnsonville's 661 people per square mile compare with a state median of 584.
Location: 33.8142, -79.4443 (US Census Bureau Gazetteer).
Nearest larger cities: Lake City (18 mi); Conway (23 mi); Kingstree (24 mi); Marion (25 mi); Andrews (26 mi). Living near a larger metro rarely changes what is available in Johnsonville.
Smaller places nearby: Hemingway (4 mi); Stuckey (7 mi); Pamplico (14 mi).
Smaller neighbours: 27 places smaller than Johnsonville sit within 50 miles.
Within 100 miles: 105 places are larger than Johnsonville.

Johnsonville's place among South Carolina's 271 places

Set beside South Carolina's 271 places, Johnsonville ranks 139th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 178th of 271 South Carolina places, putting it near the 34th percentile for growth. Its roughly 661 residents per square mile place it 126th among South Carolina's places. Between 2020 and 2023 the count changed by roughly 13 residents.

Which South Carolina laws govern a loan in Johnsonville

Read the table as a lender's compliance picture for Johnsonville: the rule, the sourced figure, the publisher and the date.

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

What a Johnsonville borrower is actually offered

Most loans made to Johnsonville's 1,368 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Johnsonville's 1,368 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Johnsonville loan is knowable in advance — unlike a revolving card balance.

Johnsonville on the map

The Census Gazetteer records 2.1 square miles of land and 0.03 square miles of water within Johnsonville. With 1,368 residents, the land area yields roughly 661 people per square mile. The largest place in South Carolina, Charleston, lies about 75 miles away. Johnsonville has 18 larger places within a 50-mile radius. Within the same 50 miles lie 27 smaller Census places.

Steps to take before a Johnsonville loan

These steps shape the offer you get in Johnsonville, a place of about 1,368 people:

Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
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.
Check the South Carolina regulator's records to confirm the lender is licensed here.
Look for an origination fee or prepayment penalty in the written disclosure.
Test the payment against your current bills before you commit.
Pick the shortest term whose payment you can comfortably afford.

In Johnsonville as elsewhere in South Carolina, the written terms — not the advertisement — are what count for its 1,368 residents.

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Common questions

What are my options in Johnsonville 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 Johnsonville is the same as anywhere in South Carolina.

What loan size can I expect in Johnsonville?

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 Johnsonville?

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 Johnsonville 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.

Nearby places

Hemingway, SC — population 472
Stuckey, SC — population 193
Pamplico, SC — population 1,054
Aynor, SC — population 1,051
Lake City, SC — population 5,961
Scranton, SC — population 655
Coward, SC — population 751
Marion, SC — population 6,195