Personal loans in Lowndesville, SC

In Lowndesville, one of 271 Census places in South Carolina, the figure to compare across lenders is the APR, not the advertised rate. The Census estimates 123 residents in Lowndesville, which ranks it 253rd of 271 places in South Carolina.

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

Compare loan offers Run the numbers first

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 next larger city is Iva, SC about 7 miles away. Census figures put the 2020-to-2023 increase in Lowndesville at about 0.8%. State law, not city hall, decides what a lender may do to Lowndesville's roughly 123 residents, and a state regulator supervises it. Judge Lowndesville offers on total cost, not on how quickly the money arrives.

Local context for Lowndesville

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

Lender access in Lowndesville

Lowndesville is a lightly settled community of about 123 people, with 73 larger places inside a 50-mile radius. Whether Lowndesville has a local branch or not, a South Carolina-licensed lender can serve its 123 people online on the same terms. The nearest larger city, Iva, SC about 7 miles away.

Lowndesville against the rest of South Carolina

Set beside South Carolina's 271 places, Lowndesville ranks 253rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Lowndesville ranks 135th of 271 in South Carolina (about the 50th percentile). By density, at about 159 people per square mile, it ranks 230th in South Carolina. Between 2020 and 2023 the count changed by roughly 1 residents.

Lowndesville: area, density and distance

Inside Lowndesville's boundaries lie about 0.8 square miles of land, with no significant water area recorded. That land carries about 159 people per square mile. The largest place in South Carolina, Charleston, lies about 181 miles away. Within 50 miles of Lowndesville there are 73 larger Census places. Within the same 50 miles lie 3 smaller Census places.

South Carolina rules behind a Lowndesville personal loan

The rows below set out what a licensed lender must follow in South Carolina, and so for Lowndesville's roughly 123 residents.

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

What to do before borrowing in Lowndesville

Before you hand your details to a lender in Lowndesville, where the population is near 123:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Confirm the lender holds a South Carolina licence by checking the regulator named above.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across South Carolina; what changes is your credit file, not the fact that Lowndesville holds 123 people.

Compare personal loan offers Run the numbers first

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