Personal loans in Richburg, SC
Richburg is home to roughly 274 people and stands 217th by size out of 271 Census places in South Carolina. In Richburg, one of 271 Census places in South Carolina, the figure to compare across lenders is the APR, not the advertised rate.
The trend for Richburg between 2020 and 2023 is downward by roughly 2.1%. If debt is already a strain, a nonprofit credit counsellor can help Richburg residents before they take on more. State law, not city hall, decides what a lender may do to Richburg's roughly 274 residents, and a state regulator supervises it. A larger market lies at Fort Lawn, SC about 7 miles away.
Borrowing in Richburg: the local picture
The figures below are Richburg's own — Census population, land area and coordinates — followed by the South Carolina rules.
- Population: 274 — Richburg ranks 217th of 271 communities in South Carolina (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 2.1% since the 2020 count.
- Net change: roughly 6 fewer people than the 2020 Census counted.
- Size percentile: roughly 20% of South Carolina's places have fewer residents than Richburg's 274.
- Density: roughly 313 residents per square mile, spread over 0.9 sq mi of land.
- Land area rank: Richburg's 0.9 square miles rank 230th of 271 places in South Carolina.
- Share of South Carolina: Richburg holds about 0.0% of the state's population, some 274 people.
- National rank: Richburg sits 15,432nd by population among the 19,457 places in this dataset.
- Growth rank: Richburg's 2020-to-2023 change ranks 214th of 271 places in South Carolina.
- State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Richburg's 2.1%.
- Density rank: Richburg is the 184th most densely settled place in South Carolina.
- Density in context: Richburg's 313 people per square mile sit against a South Carolina median of 584.
- Location: the Census Gazetteer records it at 34.7166, -81.0196.
- Nearest larger cities: Fort Lawn (7 mi); Chester (11 mi); Great Falls (12 mi); Lancaster (13 mi); Van Wyck (14 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Lowrys (14 mi); Ridgeway (29 mi); Smyrna (32 mi).
- Smaller neighbours: 10 places smaller than Richburg sit within 50 miles.
- At 100 miles: 307 larger Census places fall inside that radius.
The state rulebook for Richburg
For the roughly 274 residents of Richburg, the rules below are South Carolina's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
How personal loans work in Richburg
With roughly 274 residents, Richburg is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Richburg. The term you choose in Richburg decides the split between a comfortable payment and the total interest you pay.
How Richburg compares across South Carolina
Richburg is the 217th-largest of 271 Census places in South Carolina and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Richburg stands 214th among South Carolina's 271 places — roughly the 21th percentile. By density, at about 313 people per square mile, it ranks 184th in South Carolina. In land area, Richburg ranks 230th among South Carolina's 271 places.
Richburg on the map
Inside Richburg's boundaries lie about 0.9 square miles of land, with no significant water area recorded. The resulting density is about 313 people per square mile. The largest place in South Carolina, Charleston, lies about 144 miles away. Counting outward 50 miles, 78 larger communities surround Richburg. Within the same 50 miles lie 10 smaller Census places.
Lender access in Richburg
Richburg is lightly settled, with about 313 people per square mile and 78 larger places within 50 miles. What is available to Richburg's 274 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Fort Lawn, SC about 7 miles away.
Common questions
What are my options in Richburg if my credit is poor?
What loan size can I expect in Richburg?
Do I have to pledge anything to borrow in Richburg?
Does comparing loans in Richburg cost me credit score points?
Nearby places
- Fort Lawn, SC — population 973
- Great Falls, SC — population 1,927
- Chester, SC — population 5,227
- Rock Hill, SC — population 75,654
- Lancaster, SC — population 9,103
- Lowrys, SC — population 183
- Van Wyck, SC — population 990
- McConnells, SC — population 288