Personal loans in Salley, SC

Salley, South Carolina — home to about 349 people — is a small community, so the terms you are offered follow South Carolina law rather than any local rule.

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.

At about 349 residents, Salley is larger than roughly 24% of the places in South Carolina. A 2020-to-2023 comparison shows Salley up by about 4.8%. Compare APR, not the interest rate, because the APR folds in most fees on a Salley loan. For a bigger market, look to Springfield, SC about 5 miles away. State law, not city hall, decides what a lender may do to Salley's roughly 349 residents, and a state regulator supervises it.

Local context for Salley

What follows is Salley's place in the Census record, alongside the South Carolina rules that govern a personal loan made here.

Borrowing reach in Salley

Salley is lightly settled, with about 456 people per square mile and 54 larger places within 50 miles. What is available to Salley's 349 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Springfield, SC about 5 miles away.

Salley's place among South Carolina's 271 places

Set beside South Carolina's 271 places, Salley ranks 207th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Salley ranks 62nd of 271 in South Carolina (about the 77th percentile). By density, at about 456 people per square mile, it ranks 161st in South Carolina. Between 2020 and 2023 the count changed by roughly 16 residents.

Salley: area, density and distance

The Census Gazetteer records 0.8 square miles of land and 0.01 square miles of water within Salley. The resulting density is about 456 people per square mile. The state's population centre of gravity, Charleston, is roughly 92 miles away. Salley has 54 larger places within a 50-mile radius. Within the same 50 miles lie 28 smaller Census places.

What South Carolina law requires in Salley

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

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

What shapes a Salley personal loan

In Salley, a small community of about 349, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Salley can be quoted different APRs on the same amount and term. The term you choose in Salley decides the split between a comfortable payment and the total interest you pay.

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