Personal loans in Orangeburg, SC

For the 13,280 people in Orangeburg, South Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. An estimated 13,280 people make their home in Orangeburg, a figure that ranks 35th in South Carolina. Pull your credit reports and line up at least three offers before you apply from Orangeburg. Orangeburg added about 0.4% to its population between the 2020 base and the 2023 estimate. The closest larger city is Cayce, SC about 33 miles away.

The Orangeburg data picture

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

• Population: the Census counts 13,280 residents in Orangeburg (Vintage 2023 subcounty estimate), the 35th-largest figure among South Carolina's 271 places.
• Population trend: The 2020-to-2023 change is positive, near 0.4%.
• Absolute change: 55 residents added between 2020 and 2023.
• Size percentile: Orangeburg's 13,280 people outrank roughly 87% of the places in South Carolina.
• Population density: 1,474 people per square mile on 9.0 square miles of land.
• By land area: Orangeburg ranks 49th among South Carolina's 271 places, at 9.0 sq mi.
• Share of South Carolina: Orangeburg holds about 0.7% of the state's population, some 13,280 people.
• National rank: Orangeburg is 2,580th of 19,457 places nationwide.
• Growth rank: Orangeburg ranks 145th among South Carolina's 271 places for the 2020-to-2023 change.
• Versus South Carolina: the state average change is +2.6%, while Orangeburg moved 0.4%.
• Density rank: Orangeburg places 35th among South Carolina's places by people per square mile.
• Against the state median: Orangeburg runs about 1,474 residents per square mile, where the South Carolina median is 584.
• Location: the Census Gazetteer records it at 33.4936, -80.8669.
• Nearest larger cities: Cayce (33 mi); West Columbia (37 mi); Columbia (38 mi); Lexington (40 mi); Sumter (41 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Cordova (5 mi); Rowesville (9 mi); Cameron (10 mi).
• Within a 50-mile radius: 72 smaller Census places.
• Larger places within 100 miles: 24.

Borrowing reach in Orangeburg

With about 1,474 residents per square mile, Orangeburg is moderately settled, and 6 larger Census places sit within 50 miles. What is available to Orangeburg's 13,280 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Cayce, SC about 33 miles away.

Orangeburg's place among South Carolina's 271 places

Within South Carolina, Orangeburg holds roughly 0.7% of all residents, the 35th-largest share among 271 places. For population change between 2020 and 2023, Orangeburg ranks 145th of 271 in South Carolina (about the 46th percentile). By density, at about 1,474 people per square mile, it ranks 35th in South Carolina. In land area, Orangeburg ranks 49th among South Carolina's 271 places.

Before you apply in Orangeburg

For Orangeburg's roughly 13,280 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's South Carolina licence with the regulator listed on this page.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across South Carolina; what changes is your credit file, not the fact that Orangeburg holds 13,280 people.

How South Carolina law applies in Orangeburg

Every row below records a South Carolina rule, its publisher and its retrieval date — the same rules a Orangeburg lender must follow.

How a Orangeburg personal loan is priced

Orangeburg is a small town of about 13,280 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Orangeburg's rank of 35th in South Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Orangeburg loan is knowable in advance — unlike a revolving card balance.