Personal loans in Vance, SC
Which products a lender may offer to Vance's 124 residents follows from the South Carolina consumer-lending framework. The roughly 124 people who live in Vance borrow under South Carolina rules; city hall sets no personal-loan rate.
The Census counts 124 people in Vance, the 252nd-largest figure among South Carolina's 271 places. Vance lost roughly 1.6% of its population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Vance loan. The closest larger place is Eutawville, SC about 5 miles away.
Local context for Vance
Read the local figures below as context; read the sourced South Carolina table as the rulebook a lender here must follow.
- Population: about 124, ranked 252nd of 271 places in South Carolina (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.6% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 2 fewer people than the 2020 Census counted.
- Size percentile: Vance's 124 people outrank roughly 7% of the places in South Carolina.
- Density: roughly 245 residents per square mile, spread over 0.5 sq mi of land.
- Land area: Vance covers 0.5 square miles, the 262nd-largest area among South Carolina's 271 places.
- Share of South Carolina: Vance holds about 0.0% of the state's population, some 124 people.
- National rank: Vance is 17,717th of 19,457 places nationwide.
- Growth rank: Vance's 2020-to-2023 change ranks 201st of 271 places in South Carolina.
- State comparison: South Carolina's places average +2.6% for 2020-to-2023, against Vance's 1.6%.
- Density in South Carolina: Vance ranks 201st by people per square mile.
- Against the state median: Vance runs about 245 residents per square mile, where the South Carolina median is 584.
- Location: 33.4364 / -80.4202, per the US Census Bureau Gazetteer.
- Nearest larger cities: Eutawville (5 mi); Santee (5 mi); Holly Hill (8 mi); Elloree (11 mi); Summerton (12 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Smoaks (33 mi); Cope (34 mi); Williams (37 mi).
- Smaller places within 50 miles: 6 of them.
- At 100 miles: 195 larger Census places fall inside that radius.
Inside a Vance personal loan
Vance is a small community of about 124 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Vance's 124 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Vance loan but raises total interest, so the smallest payment is not the cheapest loan.
What is available to Vance borrowers
At roughly 245 people per square mile, Vance is lightly settled; 56 larger places lie within 50 miles. Distance to a branch rarely matters for Vance's 124 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Eutawville, SC about 5 miles away.
Where Vance sits in South Carolina
Vance is the 252nd-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, Vance ranks 201st of 271 in South Carolina (about the 26th percentile). At about 245 people per square mile, Vance is the 201st most densely settled place in South Carolina. The population moved by about 2 people between 2020 and 2023, a 1.6% shift.
South Carolina rules behind a Vance personal loan
This table holds the South Carolina rate and licensing rules for consumer loans made to Vance's 124 residents.
| 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 |
Land, water and location for Vance
Vance covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 245 people per square mile. Charleston, the largest place in South Carolina, is about 49 miles from Vance. Counting outward 50 miles, 56 larger communities surround Vance. The 100-mile radius contains 195 larger places.
Common questions
What are my options in Vance if my credit is poor?
What loan size can I expect in Vance?
Do I have to pledge anything to borrow in Vance?
Does comparing loans in Vance cost me credit score points?
Nearby places
- Santee, SC — population 812
- Eutawville, SC — population 235
- Holly Hill, SC — population 1,252
- Elloree, SC — population 550
- Summerton, SC — population 789
- Harleyville, SC — population 718
- Bowman, SC — population 765
- St. George, SC — population 1,834