Personal loans in St. George, SC

A personal loan in St. George is priced from your credit file and income, not from the fact that the city holds 1,834 people. Census figures put the 2020-to-2023 decrease in St. George at about 0.2%. St.

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.

George ranks 122nd of 271 places in South Carolina, with a population near 1,834. Begin with the payment, then weigh APR and total interest across the lenders that reach St. George's 1,834 residents. Lenders active in St. George report to a South Carolina supervisor, identified in the sourced rows below. The nearest larger city is Walterboro, SC about 20 miles away.

Where St. George stands

Here is the sourced Census picture for St. George, plus the South Carolina lending rules that apply to a loan taken out here.

Land, water and location for St. George

St. George covers about 2.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 644 people per square mile. The largest place in South Carolina, Charleston, lies about 43 miles away. A 50-mile radius around St. George takes in 21 places that are larger. By land area it ranks 138th of 271 South Carolina places.

Borrowing reach in St. George

At roughly 644 people per square mile, St. George is moderately settled; 21 larger places lie within 50 miles. What is available to St. George's 1,834 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Walterboro, SC about 20 miles away.

St. George in state context

St. George is the 122nd-largest of 271 Census places in South Carolina and contains about 0.1% of the state's people. On the 2020-to-2023 trend, St. George stands 162nd among South Carolina's 271 places — roughly the 40th percentile. At about 644 people per square mile, St. George is the 129th most densely settled place in South Carolina. In land area, St. George ranks 138th among South Carolina's 271 places.

Which South Carolina laws govern a loan in St. George

For the roughly 1,834 residents of St. George, the rules below are South Carolina's own; each row carries its publisher and retrieval 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
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
Maximum legal interest rate (usury cap)8.75% per annum statutory legal rate where no rate is agreed (judgment rate: Wall Street Journal prime + 4 points).
Source says: "the legal interest shall be at the rate of eight and three-fourths percent per annum" (S.C. Code 34-31-20(A)).
South Carolina Legislature (S.C. Code of Laws)
as of 2026-09-16

What shapes a St. George personal loan

With roughly 1,834 residents, St. George is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than St. George's rank of 122nd in South Carolina: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a St. George loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

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

Nearby places

Related