Personal loans in Stuckey, SC

A lender serving Stuckey holds a South Carolina licence and answers to a South Carolina regulator; no city office is involved for its 193 residents. At about 193 residents, Stuckey is larger than roughly 14% of the places in South Carolina.

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.

Stuckey lost roughly 2.5% of its population across the 2020-to-2023 comparison. Lenders active in Stuckey report to a South Carolina supervisor, identified in the sourced rows below. For a community of about 193, the practical step is to compare APR across at least three lenders before committing. A larger market lies at Hemingway, SC about 4 miles away.

Local context for Stuckey

Set out below is Stuckey's local context next to the state-level rules that reach every lender here.

Steps to take before a Stuckey loan

A sensible order of operations for a loan in Stuckey, home to about 193 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a South Carolina licence by checking the regulator named above.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Weigh a shorter term's higher payment against the interest it saves.

What differs between Stuckey and the rest of South Carolina is not the process but the borrower's own file, among the 193 people here.

Stuckey on the map

The Census Gazetteer records about 0.9 square miles of land within Stuckey, with no significant water area listed. With 193 residents, the land area yields roughly 206 people per square mile. Charleston, the largest place in South Carolina, is about 68 miles from Stuckey. Stuckey has 43 larger places within a 50-mile radius. Within the same 50 miles lie 4 smaller Census places.

Stuckey's place among South Carolina's 271 places

Within South Carolina, Stuckey holds roughly 0.0% of all residents, the 233rd-largest share among 271 places. Its 2020-to-2023 change ranks 224th of 271 South Carolina places, putting it near the 17th percentile for growth. By density, at about 206 people per square mile, it ranks 213th in South Carolina. Within 50 miles sit 4 smaller Census places, alongside the 43 that are larger.

Borrowing reach in Stuckey

With about 206 residents per square mile, Stuckey is lightly settled, and 43 larger Census places sit within 50 miles. Distance to a branch rarely matters for Stuckey's 193 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Hemingway, SC about 4 miles away.

The South Carolina lending rules that reach Stuckey

South Carolina has no separate rate rule for Stuckey; the sourced rows below are what reach every lender that serves its 193 people.

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

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