Personal loans in Rowesville, SC

The roughly 246 people who live in Rowesville borrow under South Carolina rules; city hall sets no personal-loan rate. By population, Rowesville sits at 222nd in South Carolina, with an estimated 246 residents.

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

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.

Borrowers who want a bigger city can look to Branchville, SC about 8 miles away. The 2020 count to the 2023 estimate shows about 2.0% decline in Rowesville. Every figure below is South Carolina's own, applied to Rowesville's 246 residents, with the publisher and retrieval date attached. Pull your credit reports and line up at least three offers before you apply from Rowesville.

Rowesville: the sourced local profile

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

Inside a Rowesville personal loan

Rowesville is a small community of about 246 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Rowesville lender to disclose the APR and finance charge before you sign. The term you choose in Rowesville decides the split between a comfortable payment and the total interest you pay.

Where Rowesville sits in South Carolina

Set beside South Carolina's 271 places, Rowesville ranks 222nd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 211th of 271 South Carolina places, putting it near the 22th percentile for growth. Its roughly 295 residents per square mile place it 192nd among South Carolina's places. By land area, its 0.8 square miles rank 236th of 271 places in South Carolina.

Rowesville: area, density and distance

Inside Rowesville's boundaries lie about 0.8 square miles of land, with no significant water area recorded. The resulting density is about 295 people per square mile. For the state's biggest city, Charleston, the distance is roughly 63 miles. Counting outward 50 miles, 56 larger communities surround Rowesville. The 100-mile radius contains 181 larger places.

Lender access in Rowesville

With about 295 residents per square mile, Rowesville is lightly settled, and 56 larger Census places sit within 50 miles. What is available to Rowesville's 246 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Branchville, SC about 8 miles away.

How South Carolina law applies in Rowesville

These are South Carolina's sourced lending facts as they reach Rowesville's 246 residents; the state has no city-level rate rule.

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
Small-loan / installment lender licensingConsumer 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

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