Personal loans in Ware Shoals, SC

Ware Shoals is one of 271 Census places in South Carolina; its 1,703 residents put it at 127th. The trend for Ware Shoals between 2020 and 2023 is upward by roughly 0.1%.

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.

Ware Shoals is a small community in South Carolina, with an estimated 1,703 residents, and every licensed lender here follows the same state rulebook. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Ware Shoals's 1,703 residents. For a community of about 1,703, the practical step is to compare APR across at least three lenders before committing. The nearest larger city is Honea Path, SC about 10 miles away.

Where Ware Shoals stands

Two layers matter for a Ware Shoals borrower: the local population picture and South Carolina's consumer-lending statutes.

Ware Shoals in state context

Within South Carolina, Ware Shoals holds roughly 0.1% of all residents, the 127th-largest share among 271 places. For population change between 2020 and 2023, Ware Shoals ranks 153rd of 271 in South Carolina (about the 44th percentile). Its roughly 520 residents per square mile place it 148th among South Carolina's places. Between 2020 and 2023 the count changed by roughly 1 residents.

How lenders reach Ware Shoals

Ware Shoals is moderately settled, with about 520 people per square mile and 41 larger places within 50 miles. A South Carolina licence lets a lender serve Ware Shoals without a local office, so branch density does not change what its 1,703 residents are offered. For a larger market, the closest option is Honea Path, SC about 10 miles away.

How a Ware Shoals personal loan is priced

In Ware Shoals, a small community of about 1,703, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Ware Shoals loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Ware Shoals loan but raises total interest, so the smallest payment is not the cheapest loan.

Ware Shoals on the map

The Census Gazetteer records 3.3 square miles of land and 0.09 square miles of water within Ware Shoals. Spread across it are roughly 520 residents per square mile. The largest place in South Carolina, Charleston, lies about 169 miles away. Within 50 miles of Ware Shoals there are 41 larger Census places. Within the same 50 miles lie 30 smaller Census places.

The state rulebook for Ware Shoals

This table holds the South Carolina rate and licensing rules for consumer loans made to Ware Shoals's 1,703 residents.

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