Personal loans in Lamar, SC
Roughly 843 residents live in Lamar, the 158th-largest community in South Carolina. Lamar is a small community of about 843 residents, and a personal loan taken out here is governed by South Carolina statute.
Verify the lender's South Carolina licence against the regulator named below before borrowing in Lamar. Lenders active in Lamar report to a South Carolina supervisor, identified in the sourced rows below. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. The next larger city is Timmonsville, SC about 8 miles away.
Where Lamar stands
Most of what governs a Lamar loan is written in South Carolina law rather than in the city; the sourced notes below make that split concrete.
- Population: about 843 people live here, which puts Lamar 158th of 271 Census places in South Carolina (Vintage 2023).
- Population trend: Down about 1.5% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 13 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 42% of the places in South Carolina, with 843 residents in Lamar.
- Land and density: 1.2 square miles of land carry roughly 695 residents per square mile.
- By land area: Lamar ranks 201st among South Carolina's 271 places, at 1.2 sq mi.
- Within South Carolina: about 0.0% of the state's population lives in Lamar.
- Nationally: Lamar is the 10,958th-largest of 19,457 Census places in the dataset.
- Growth in South Carolina: Lamar stands 198th by percentage change from 2020 to 2023, among 271 places.
- State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Lamar's 1.5%.
- Density rank: Lamar places 119th among South Carolina's places by people per square mile.
- Density vs South Carolina: Lamar's 695 people per square mile compare with a state median of 584.
- Location: mapped by the US Census Bureau at 34.1695, -80.0651.
- Nearest larger cities: Timmonsville (8 mi); Bishopville (11 mi); Hartsville (14 mi); Darlington (15 mi); Florence (16 mi). Living near a larger metro rarely changes what is available in Lamar.
- Smaller places close by: Lynchburg (8 mi); Mayesville (15 mi); Olanta (18 mi).
- Smaller neighbours: 29 places smaller than Lamar sit within 50 miles.
- At 100 miles: 169 larger Census places fall inside that radius.
The state rulebook for Lamar
The rows below set out what a licensed lender must follow in South Carolina, and so for Lamar's roughly 843 residents.
| 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 |
| 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 |
| Payday lending status | Legal for licensed deferred presentment providers; max $550 advanced at one time; fee limited to 15% of principal; term up to 31 days; 2025 repeal bill S.379 introduced but not enacted. Source says: "The total amount advanced by a licensee to any customer at one time for deferred presentment or deposit may not exceed five hundred fifty dollars" (34-39-180(B)); fees capped at "fifteen percent of the principal amount of the transaction" (34-39-180(E)). | South Carolina Legislature (S.C. Code of Laws) as of 2026-09-16 |
Land, water and location for Lamar
Lamar's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 695 people per square mile. Charleston, the largest place in South Carolina, is about 93 miles from Lamar. A 50-mile radius around Lamar takes in 25 places that are larger. Within the same 50 miles lie 29 smaller Census places.
A pre-application checklist for Lamar
Before you hand your details to a lender in Lamar, where the population is near 843:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Shop at least three lenders and judge them on APR and total cost.
- Make sure the lender appears in the South Carolina regulator's licence list.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
None of these steps is Lamar-specific: the same South Carolina licensing and disclosure rules reach all 843 residents.
What is available to Lamar borrowers
With about 695 residents per square mile, Lamar is moderately settled, and 25 larger Census places sit within 50 miles. Distance to a branch rarely matters for Lamar's 843 residents: the application is online and the price follows your credit file. The nearest larger city, Timmonsville, SC about 8 miles away.
Lamar against the rest of South Carolina
Within South Carolina, Lamar holds roughly 0.0% of all residents, the 158th-largest share among 271 places. On the 2020-to-2023 trend, Lamar stands 198th among South Carolina's 271 places — roughly the 27th percentile. By density, at about 695 people per square mile, it ranks 119th in South Carolina. In land area, Lamar ranks 201st among South Carolina's 271 places.
Common questions
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Nearby places
- Lynchburg, SC — population 308
- Timmonsville, SC — population 2,105
- Bishopville, SC — population 2,862
- Hartsville, SC — population 7,399
- Mayesville, SC — population 544
- Darlington, SC — population 6,057
- Olanta, SC — population 542
- Florence, SC — population 40,609