Personal loans in Scranton, SC

The first question in Scranton is not the rate on offer but whether the payment fits; about 655 people live here under South Carolina lending law. The trend for Scranton between 2020 and 2023 is upward by roughly 0.2%.

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

Compare loan offers Run the numbers first

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.

Scranton ranks 178th of 271 places in South Carolina, with a population near 655. For a community of about 655, the practical step is to compare APR across at least three lenders before committing. A single loan can carry different costs on either side of a state line, and Scranton sits on the South Carolina side of that line. Borrowers who want a bigger city can look to Lake City, SC about 3 miles away.

Scranton by the numbers

Only a few things actually differ by place — population, area, location, and the South Carolina rules a lender must follow — and they are below.

How Scranton compares across South Carolina

Scranton is the 178th-largest of 271 Census places in South Carolina and contains about 0.0% of the state's people. For population change between 2020 and 2023, Scranton ranks 149th of 271 in South Carolina (about the 45th percentile). By density, at about 827 people per square mile, it ranks 100th in South Carolina. By land area, its 0.8 square miles rank 240th of 271 places in South Carolina.

Land, water and location for Scranton

The Census Gazetteer records about 0.8 square miles of land within Scranton, with no significant water area listed. With 655 residents, the land area yields roughly 827 people per square mile. For the state's biggest city, Charleston, the distance is roughly 76 miles. Scranton has 32 larger places within a 50-mile radius. The 100-mile radius contains 167 larger places.

Lender access in Scranton

With about 827 residents per square mile, Scranton is moderately settled, and 32 larger Census places sit within 50 miles. Whether Scranton has a local branch or not, a South Carolina-licensed lender can serve its 655 people online on the same terms. For a larger market, the closest option is Lake City, SC about 3 miles away.

What South Carolina law requires in Scranton

Read the table as a lender's compliance picture for Scranton: the rule, the sourced figure, the publisher and the date.

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

The Scranton borrowing checklist

Complete these steps first when you borrow in Scranton (655 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the South Carolina licence with the regulator named above before committing.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across South Carolina; what changes is your credit file, not the fact that Scranton holds 655 people.

Compare personal loan offers Run the numbers first

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