Personal loans in Mount Croghan, SC

Mount Croghan is a small community in South Carolina, with an estimated 133 residents, and every licensed lender here follows the same state rulebook.

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

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Price two or three terms so you can see which payment is truly affordable in Mount Croghan. Roughly 133 residents live in Mount Croghan, the 248th-largest community in South Carolina. A lender that serves Mount Croghan operates under South Carolina lending statutes and a South Carolina supervisor. A 2020-to-2023 comparison shows Mount Croghan up by about 0.8%. The next larger city is Ruby, SC about 3 miles away.

What the Census records for Mount Croghan

Set out below is Mount Croghan's local context next to the state-level rules that reach every lender here.

Population: the Census counts 133 residents in Mount Croghan (Vintage 2023 subcounty estimate), the 248th-largest figure among South Carolina's 271 places.
Population trend: Roughly 0.8% more residents than the 2020 Census counted.
Net change: roughly 1 more people than the 2020 Census counted.
Size percentile: Mount Croghan's 133 people outrank roughly 8% of the places in South Carolina.
Land and density: 0.8 square miles of land carry roughly 175 residents per square mile.
Land area: Mount Croghan covers 0.8 square miles, the 249th-largest area among South Carolina's 271 places.
State population share: Mount Croghan accounts for about 0.0% of everyone in South Carolina.
National standing: Mount Croghan ranks 17,557th of 19,457 US places.
Growth rank: Mount Croghan ranks 137th among South Carolina's 271 places for the 2020-to-2023 change.
Versus South Carolina: the state average change is +2.6%, while Mount Croghan moved 0.8%.
Density in South Carolina: Mount Croghan ranks 221st by people per square mile.
Density vs South Carolina: Mount Croghan's 175 people per square mile compare with a state median of 584.
Location: mapped by the US Census Bureau at 34.7697, -80.2264.
Nearest larger cities: Ruby (3 mi); Chesterfield (9 mi); Pageland (9 mi); Jefferson (12 mi); Morven (14 mi). A branch is convenient; it is not what sets your APR.
Smaller places close by: McFarlan (15 mi); Blenheim (37 mi); Tatum (37 mi).
Smaller places within 50 miles: 4 of them.
Within 100 miles: 321 places are larger than Mount Croghan.

What to do before borrowing in Mount Croghan

Complete these steps first when you borrow in Mount Croghan (133 residents):

Pull your credit reports first and correct any error before a lender sees the file.
Run the numbers on the personal loan calculator so you know the payment before you apply.
Collect three or more offers and compare them on APR, not on the advertised rate.
Confirm the South Carolina licence with the regulator named above before committing.
Decide the purpose and how you will repay it before approaching any lender.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
Read the disclosure for an origination fee and any prepayment penalty before signing.

None of these steps is Mount Croghan-specific: the same South Carolina licensing and disclosure rules reach all 133 residents.

Mount Croghan against the rest of South Carolina

Mount Croghan is the 248th-largest of 271 Census places in South Carolina and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 137th of 271 South Carolina places, putting it near the 49th percentile for growth. At about 175 people per square mile, Mount Croghan is the 221st most densely settled place in South Carolina. Between 2020 and 2023 the count changed by roughly 1 residents.

Mount Croghan on the map

Mount Croghan covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 175 people per square mile. Charleston, the largest place in South Carolina, is about 135 miles from Mount Croghan. Within 50 miles of Mount Croghan there are 84 larger Census places. By land area it ranks 249th of 271 South Carolina places.

The state rulebook for Mount Croghan

This table holds the South Carolina rate and licensing rules for consumer loans made to Mount Croghan's 133 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

What is available to Mount Croghan borrowers

With about 175 residents per square mile, Mount Croghan is lightly settled, and 84 larger Census places sit within 50 miles. A South Carolina licence lets a lender serve Mount Croghan without a local office, so branch density does not change what its 133 residents are offered. The nearest larger city, Ruby, SC about 3 miles away.

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Common questions

What are my options in Mount Croghan 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 Mount Croghan is the same as anywhere in South Carolina.

What loan size can I expect in Mount Croghan?

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 Mount Croghan?

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 Mount Croghan 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

Ruby, SC — population 321
Chesterfield, SC — population 1,361
Pageland, SC — population 2,504
Jefferson, SC — population 781
Peachland, NC — population 386
Polkton, NC — population 2,268
Morven, NC — population 327
Wadesboro, NC — population 4,935