Personal loans in Ruby, SC

An estimated 321 people make their home in Ruby, a figure that ranks 210th in South Carolina. The trend for Ruby between 2020 and 2023 is upward by roughly 1.3%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ruby loan. Borrowers who want a bigger city can look to Chesterfield, SC about 6 miles away. Which products a lender may offer to Ruby's 321 residents follows from the South Carolina consumer-lending framework.

Where Ruby stands

Two layers matter for a Ruby borrower: the local population picture and South Carolina's consumer-lending statutes.

• Population: a Census-estimated 321, 210th among South Carolina's 271 places (Vintage 2023).
• Population trend: Growth of about 1.3% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
• Size percentile: about 23% of South Carolina's Census places are smaller than Ruby.
• Density: roughly 130 residents per square mile, spread over 2.5 sq mi of land.
• By land area: Ruby ranks 149th among South Carolina's 271 places, at 2.5 sq mi.
• Within South Carolina: about 0.0% of the state's population lives in Ruby.
• National rank: Ruby sits 14,878th by population among the 19,457 places in this dataset.
• Growth rank: Ruby ranks 123rd among South Carolina's 271 places for the 2020-to-2023 change.
• State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Ruby's 1.3%.
• Density rank: Ruby is the 239th most densely settled place in South Carolina.
• Against the state median: Ruby runs about 130 residents per square mile, where the South Carolina median is 584.
• Location: 34.7482, -80.1791 (US Census Bureau Gazetteer).
• Nearest larger cities: Chesterfield (6 mi); Pageland (12 mi); Morven (13 mi); Jefferson (13 mi); Cheraw (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Mount Croghan (3 mi); McFarlan (12 mi); Patrick (14 mi), each with its own Census population profile.
• Smaller neighbours: 8 places smaller than Ruby sit within 50 miles.
• Within 100 miles: 286 places are larger than Ruby.

Before you apply in Ruby

Before you apply in Ruby, a community of about 321, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the South Carolina licence with the regulator named above before committing.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

What differs between Ruby and the rest of South Carolina is not the process but the borrower's own file, among the 321 people here.

Inside a Ruby personal loan

Ruby is a small community of about 321 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ruby. Because the payment is fixed, the total cost of a Ruby loan is knowable in advance — unlike a revolving card balance.

What is available to Ruby borrowers

Ruby is lightly settled, with about 130 people per square mile and 77 larger places within 50 miles. A South Carolina licence lets a lender serve Ruby without a local office, so branch density does not change what its 321 residents are offered. The nearest larger city, Chesterfield, SC about 6 miles away.

Ruby's place among South Carolina's 271 places

Within South Carolina, Ruby holds roughly 0.0% of all residents, the 210th-largest share among 271 places. Its 2020-to-2023 change ranks 123rd of 271 South Carolina places, putting it near the 55th percentile for growth. At about 130 people per square mile, Ruby is the 239th most densely settled place in South Carolina. In land area, Ruby ranks 149th among South Carolina's 271 places.

What South Carolina law requires in Ruby

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