Personal loans in Lodge, SC

If you are weighing a personal loan in Lodge, start from the payment you can carry; its 82 residents face the same statewide rules. At about 82 residents, Lodge is larger than roughly 3% of the places in South Carolina.

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.

The closest larger city is Ehrhardt, SC about 4 miles away. The 2020 count to the 2023 estimate shows about 1.2% decline in Lodge. For the 82 people in Lodge, South Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Compare APR, not the interest rate, because the APR folds in most fees on a Lodge loan.

Borrowing in Lodge: the local picture

Two layers matter for a Lodge borrower: the local population picture and South Carolina's consumer-lending statutes.

How lenders reach Lodge

With about 26 residents per square mile, Lodge is sparsely settled, and 67 larger Census places sit within 50 miles. Distance to a branch rarely matters for Lodge's 82 residents: the application is online and the price follows your credit file. The nearest larger city, Ehrhardt, SC about 4 miles away.

Land, water and location for Lodge

Lodge's land area is roughly 3.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 26 people per square mile. For the state's biggest city, Charleston, the distance is roughly 59 miles. Within 50 miles of Lodge there are 67 larger Census places. By land area it ranks 129th of 271 South Carolina places.

What shapes a Lodge personal loan

With roughly 82 residents, Lodge 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 Lodge can be quoted different APRs on the same amount and term. Shortening the term on a Lodge loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Lodge

These are South Carolina's sourced lending facts as they reach Lodge's 82 residents; the state has no city-level rate rule.

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

Lodge against the rest of South Carolina

Set beside South Carolina's 271 places, Lodge ranks 262nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Lodge stands 190th among South Carolina's 271 places — roughly the 30th percentile. At about 26 people per square mile, Lodge is the 270th most densely settled place in South Carolina. The population moved by about 1 people between 2020 and 2023, a 1.2% shift.

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