Personal loans in Pendleton, SC

A personal loan in Pendleton is priced from your credit file and income, not from the fact that the city holds 3,657 people. Pull your credit reports and line up at least three offers before you apply from Pendleton.

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

Compare loan offers Run the numbers first

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Pendleton is one of 271 Census places in South Carolina; its 3,657 residents put it at 81st. For the 3,657 people in Pendleton, South Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Census figures put the 2020-to-2023 increase in Pendleton at about 4.8%. The closest larger city is Clemson, SC about 3 miles away.

Pendleton: population, trend and location

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

Population: 3,657 — Pendleton ranks 81st of 271 communities in South Carolina (US Census Bureau, Vintage 2023).
Population trend: Higher by roughly 4.8% since the 2020 count.
Change in people: the 2020-to-2023 comparison is a gain of about 167 residents.
Size percentile: about 70% of South Carolina's Census places are smaller than Pendleton.
Land and density: 4.9 square miles of land carry roughly 745 residents per square mile.
Land area: Pendleton covers 4.9 square miles, the 78th-largest area among South Carolina's 271 places.
Water area rank: Pendleton ranks 89th among South Carolina's 271 places, with 0.03 sq mi.
Share of state population: Pendleton's 3,657 residents are about 0.2% of South Carolina.
National rank: Pendleton sits 5,699th by population among the 19,457 places in this dataset.
Growth rank: Pendleton ranks 63rd among South Carolina's 271 places for the 2020-to-2023 change.
Against the state trend: Pendleton's 4.8% change compares with a South Carolina average of +2.6% across its 271 places.
Density rank: Pendleton is the 112th most densely settled place in South Carolina.
Against the state median: Pendleton runs about 745 residents per square mile, where the South Carolina median is 584.
Location: it lies at 34.6422, -82.7791 in the Census Gazetteer.
Nearest larger cities: Clemson (3 mi); Central (6 mi); Seneca (11 mi); Anderson (11 mi); Easley (17 mi). Living near a larger metro rarely changes what is available in Pendleton.
Smaller communities within reach: Norris (9 mi); Liberty (11 mi); Six Mile (12 mi).
Within a 50-mile radius: 55 smaller Census places.
Within 100 miles: 107 places are larger than Pendleton.

Borrowing reach in Pendleton

At roughly 745 people per square mile, Pendleton is moderately settled; 28 larger places lie within 50 miles. Whether Pendleton has a local branch or not, a South Carolina-licensed lender can serve its 3,657 people online on the same terms. For a larger market, the closest option is Clemson, SC about 3 miles away.

What a Pendleton borrower is actually offered

In Pendleton, a small community of about 3,657, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Pendleton's rank of 81st in South Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Pendleton decides the split between a comfortable payment and the total interest you pay.

The South Carolina lending rules that reach Pendleton

These are South Carolina's sourced lending facts as they reach Pendleton's 3,657 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensing	Consumer Finance Division licenses and regulates companies making consumer loans with APRs exceeding 12% (Title 37 Consumer Protection Code; Consumer Finance Act, Title 34, ch. 29). Source says: "The Consumer Finance Division (CFD) licenses and regulates the business activities of all companies... that make consumer loans which have annual percentage rates exceeding 12%."	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

Land, water and location for Pendleton

Pendleton's land area is about 4.9 square miles; a further 0.03 square miles is water. The resulting density is about 745 people per square mile. The largest place in South Carolina, Charleston, lies about 204 miles away. Pendleton has 28 larger places within a 50-mile radius. The 100-mile radius contains 107 larger places.

Steps to take before a Pendleton loan

Before you hand your details to a lender in Pendleton, where the population is near 3,657:

Pull your credit reports first and correct any error before a lender sees the file.
Test your amount and term in the personal loan calculator first.
Line up several pre-qualified offers and let the APR decide.
Make sure the lender appears in the South Carolina regulator's licence list.
Choose a term you can live with; stretching it lowers the payment but raises total interest.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Decide the purpose and how you will repay it before approaching any lender.

In Pendleton as elsewhere in South Carolina, the written terms — not the advertisement — are what count for its 3,657 residents.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Pendleton?

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 Pendleton?

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 Pendleton 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

Clemson, SC — population 17,838
Central, SC — population 5,322
Norris, SC — population 747
Six Mile, SC — population 754
Liberty, SC — population 3,309
Anderson, SC — population 29,980
Seneca, SC — population 9,043
Pickens, SC — population 3,391