Personal loans in Loris, SC

With an estimated 2,749 residents, Loris is the 94th-largest of 271 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.

With roughly 2,749 residents, Loris is a small community, and the lending rules its borrowers live under are written in South Carolina, not by the city. Loris added about 12.5% to its population between the 2020 base and the 2023 estimate. Verify the lender's South Carolina licence against the regulator named below before borrowing in Loris. State law, not city hall, decides what a lender may do to Loris's roughly 2,749 residents, and a state regulator supervises it. The nearest larger city is Tabor City, NC about 7 miles away.

Where Loris stands

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

Loris against the rest of South Carolina

Against South Carolina's other places, Loris accounts for about 0.1% of the state's population and ranks 94th of 271 by size. For population change between 2020 and 2023, Loris ranks 16th of 271 in South Carolina (about the 94th percentile). At about 604 people per square mile, Loris is the 132nd most densely settled place in South Carolina. Within 50 miles sit 44 smaller Census places, alongside the 19 that are larger.

Land, water and location for Loris

Loris's land area is about 4.6 square miles; a further 0.02 square miles is water. That land carries about 604 people per square mile. For the state's biggest city, Charleston, the distance is roughly 105 miles. Within 50 miles of Loris there are 19 larger Census places. Within the same 50 miles lie 44 smaller Census places.

Which South Carolina laws govern a loan in Loris

Below are the South Carolina rules that apply to a loan made in Loris, each with the regulator that issued it.

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
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 statusLegal 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

The Loris borrowing checklist

These steps shape the offer you get in Loris, a place of about 2,749 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's South Carolina licence with the regulator listed on this page.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Loris-specific: the same South Carolina licensing and disclosure rules reach all 2,749 residents.

Inside a Loris personal loan

Loris is a small community of about 2,749 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Loris. A longer term lowers the monthly payment on a Loris loan but raises total interest, so the smallest payment is not the cheapest loan.

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

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