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.
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.
- Population: about 349 people live here, which puts Salley 207th of 271 Census places in South Carolina (Vintage 2023).
- Population trend: About 4.8% above the 2020 Census base.
- Net change: roughly 16 more people than the 2020 Census counted.
- Size percentile: bigger than about 24% of the places in South Carolina, with 349 residents in Salley.
- Population density: 456 people per square mile on 0.8 square miles of land.
- By land area: Salley ranks 248th among South Carolina's 271 places, at 0.8 sq mi.
- Water: Salley holds about 0.01 square miles, the 118th-largest water area in South Carolina.
- Within South Carolina: about 0.0% of the state's population lives in Salley.
- National rank: Salley is 14,606th of 19,457 places nationwide.
- Growth in South Carolina: Salley stands 62nd by percentage change from 2020 to 2023, among 271 places.
- State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Salley's 4.8%.
- Density in South Carolina: Salley ranks 161st by people per square mile.
- Against the state median: Salley runs about 456 residents per square mile, where the South Carolina median is 584.
- Location: the Census Gazetteer records it at 33.5669, -81.3037.
- Nearest larger cities: Springfield (5 mi); Wagener (7 mi); North (12 mi); Williston (13 mi); Blackville (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Perry (4 mi); Neeses (11 mi); Livingston (11 mi).
- Smaller places within 50 miles: 28 of them.
- Larger places within 100 miles: 182.
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.
| 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 |
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.
Common questions
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Nearby places
- Perry, SC — population 206
- Springfield, SC — population 435
- Wagener, SC — population 676
- Neeses, SC — population 313
- Livingston, SC — population 128
- Elko, SC — population 141
- Williston, SC — population 2,861
- North, SC — population 676