Personal loans in Tega Cay, SC
A 2020-to-2023 comparison shows Tega Cay up by about 9.5%. For a borrower among the roughly 14,057 residents of Tega Cay, a personal loan is a tool whose cost turns on the terms, not the address.
An estimated 14,057 people make their home in Tega Cay, a figure that ranks 32nd in South Carolina. A larger market lies at Fort Mill, SC about 5 miles away. To lend to Tega Cay's 14,057 residents, a company must hold a South Carolina licence, and each sourced row below names the regulator behind it. Price two or three terms so you can see which payment is truly affordable in Tega Cay.
Borrowing in Tega Cay: the local picture
Here is the sourced Census picture for Tega Cay, plus the South Carolina lending rules that apply to a loan taken out here.
- Population: 14,057 — Tega Cay ranks 32nd of 271 communities in South Carolina (US Census Bureau, Vintage 2023).
- Population trend: A gain of roughly 9.5% between 2020 and 2023.
- Absolute change: 1,220 residents added between 2020 and 2023.
- Size percentile: roughly 88% of South Carolina places rank below Tega Cay.
- Density: roughly 3,075 residents per square mile, spread over 4.6 sq mi of land.
- By land area: Tega Cay ranks 85th among South Carolina's 271 places, at 4.6 sq mi.
- Within South Carolina: about 0.7% of the state's population lives in Tega Cay.
- National rank: Tega Cay is the 2,472nd most populous of the 19,457 Census places covered here.
- Growth in South Carolina: Tega Cay stands 24th by percentage change from 2020 to 2023, among 271 places.
- Versus South Carolina: the state average change is +2.6%, while Tega Cay moved 9.5%.
- Density rank: Tega Cay places 1st among South Carolina's places by people per square mile.
- Density vs South Carolina: Tega Cay's 3,075 people per square mile compare with a state median of 584.
- Location: 35.0393, -81.0106 (Census Gazetteer coordinates).
- Nearest larger cities: Fort Mill (5 mi); Rock Hill (7 mi); Belmont (13 mi); Charlotte (16 mi); Weddington (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Pineville (8 mi); Marvin (11 mi); Clover (13 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 83 smaller Census places.
- At 100 miles: 54 larger Census places fall inside that radius.
Land, water and location for Tega Cay
The Census Gazetteer records about 4.6 square miles of land within Tega Cay, with no significant water area listed. With 14,057 residents, the land area yields roughly 3,075 people per square mile. Charleston, the largest place in South Carolina, is about 164 miles from Tega Cay. A 50-mile radius around Tega Cay takes in 21 places that are larger. The 100-mile radius contains 54 larger places.
South Carolina rules behind a Tega Cay personal loan
Every row below records a South Carolina rule, its publisher and its retrieval date — the same rules a Tega Cay 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 |
| 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 |
| Payday lending status | Legal for licensed deferred presentment providers; max $550 advanced at one time; fee limited to 15% of principal; term up to 31 days; 2025 repeal bill S.379 introduced but not enacted. Source says: "The total amount advanced by a licensee to any customer at one time for deferred presentment or deposit may not exceed five hundred fifty dollars" (34-39-180(B)); fees capped at "fifteen percent of the principal amount of the transaction" (34-39-180(E)). | South Carolina Legislature (S.C. Code of Laws) as of 2026-09-16 |
What shapes a Tega Cay personal loan
In Tega Cay, a small town of about 14,057, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Tega Cay lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Tega Cay loan is knowable in advance — unlike a revolving card balance.
Tega Cay in state context
Against South Carolina's other places, Tega Cay accounts for about 0.7% of the state's population and ranks 32nd of 271 by size. On the 2020-to-2023 trend, Tega Cay stands 24th among South Carolina's 271 places — roughly the 91th percentile. At about 3,075 people per square mile, Tega Cay is the 1st most densely settled place in South Carolina. By land area, its 4.6 square miles rank 85th of 271 places in South Carolina.
Lender access in Tega Cay
With about 3,075 residents per square mile, Tega Cay is fairly dense, and 21 larger Census places sit within 50 miles. Distance to a branch rarely matters for Tega Cay's 14,057 residents: the application is online and the price follows your credit file. The nearest larger city, Fort Mill, SC about 5 miles away.
Common questions
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Nearby places
- Fort Mill, SC — population 33,626
- Rock Hill, SC — population 75,654
- Pineville, NC — population 11,153
- Belmont, NC — population 15,515
- Marvin, NC — population 6,813
- Cramerton, NC — population 5,496
- Clover, SC — population 7,391
- York, SC — population 9,154