Personal loans in Latta, SC

Latta is a small community in South Carolina, with an estimated 1,252 residents, and every licensed lender here follows the same state rulebook. A 2020-to-2023 comparison shows Latta down by about 3.2%.

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 1,252 people make their home in Latta, a figure that ranks 142nd in South Carolina. Begin with the payment, then weigh APR and total interest across the lenders that reach Latta's 1,252 residents. Which products a lender may offer to Latta's 1,252 residents follows from the South Carolina consumer-lending framework. Borrowers who want a bigger city can look to Dillon, SC about 7 miles away.

Borrowing in Latta: the local picture

Most of what governs a Latta loan is written in South Carolina law rather than in the city; the sourced notes below make that split concrete.

How lenders reach Latta

Latta is a moderately settled community of about 1,252 people, with 30 larger places inside a 50-mile radius. What is available to Latta's 1,252 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Dillon, SC about 7 miles away.

How a Latta personal loan is priced

With roughly 1,252 residents, Latta is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Latta's rank of 142nd in South Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Latta decides the split between a comfortable payment and the total interest you pay.

How Latta compares across South Carolina

Within South Carolina, Latta holds roughly 0.1% of all residents, the 142nd-largest share among 271 places. For population change between 2020 and 2023, Latta ranks 241st of 271 in South Carolina (about the 11th percentile). At about 1,142 people per square mile, Latta is the 57th most densely settled place in South Carolina. Between 2020 and 2023 the count changed by roughly 42 residents.

Which South Carolina laws govern a loan in Latta

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

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
Small-loan / installment lender licensingConsumer Finance Division licenses and regulates companies making consumer loans with APRs exceeding 12% (Title 37 Consumer Protection Code; Consumer Finance Act, Title 34, ch. 29).
Source says: "The Consumer Finance Division (CFD) licenses and regulates the business activities of all companies... that make consumer loans which have annual percentage rates exceeding 12%."
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

Latta: area, density and distance

Latta covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,142 people per square mile. Charleston, the largest place in South Carolina, is about 109 miles from Latta. Counting outward 50 miles, 30 larger communities surround Latta. By land area it ranks 206th of 271 South Carolina places.

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