Personal loans in Williston, SC
Williston is a small community in South Carolina, with an estimated 2,861 residents, and every licensed lender here follows the same state rulebook.
Williston is one of 271 Census places in South Carolina; its 2,861 residents put it at 93rd. From the 2020 Census base to the 2023 estimate, the population declined by about 1.0%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Williston's 2,861 residents are no exception. The nearest larger city is Barnwell, SC about 12 miles away. For the 2,861 people in Williston, South Carolina runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.
Where Williston stands
Set out below is Williston's local context next to the state-level rules that reach every lender here.
- Population: about 2,861 people live here, which puts Williston 93rd of 271 Census places in South Carolina (Vintage 2023).
- Population trend: About 1.0% below the 2020 Census base.
- People gained or lost: about 29 fewer since the 2020 base.
- Size percentile: Williston's 2,861 people outrank roughly 66% of the places in South Carolina.
- Population density: about 320 people per square mile across 9.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Williston covers 9.0 square miles, the 50th-largest area among South Carolina's 271 places.
- Water area rank: Williston ranks 68th among South Carolina's 271 places, with 0.06 sq mi.
- Share of state population: Williston's 2,861 residents are about 0.1% of South Carolina.
- National standing: Williston ranks 6,424th of 19,457 US places.
- Growth rank: Williston ranks 181st among South Carolina's 271 places for the 2020-to-2023 change.
- Against the state trend: Williston's 1.0% change compares with a South Carolina average of +2.6% across its 271 places.
- Density rank: Williston is the 182nd most densely settled place in South Carolina.
- Against the state median: Williston runs about 320 residents per square mile, where the South Carolina median is 584.
- Location: 33.4017, -81.4219 (US Census Bureau Gazetteer).
- Nearest larger cities: Barnwell (12 mi); Denmark (18 mi); Aiken (20 mi); Bamberg (24 mi); Burnettown (27 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller places: Elko (3 mi); Windsor (8 mi); Blackville (8 mi).
- Smaller places within 50 miles: 61 of them.
- Larger places within 100 miles: 74.
What to do before borrowing in Williston
Complete these steps first when you borrow in Williston (2,861 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Look the lender up in the South Carolina regulator's licence records before you sign.
- Test the payment against your current bills before you commit.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
In Williston as elsewhere in South Carolina, the written terms — not the advertisement — are what count for its 2,861 residents.
Williston against the rest of South Carolina
Among South Carolina's 271 places, Williston sits at 93rd for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 181st of 271 South Carolina places, putting it near the 33th percentile for growth. At about 320 people per square mile, Williston is the 182nd most densely settled place in South Carolina. The population moved by about 29 people between 2020 and 2023, a 1.0% shift.
How lenders reach Williston
Williston is a lightly settled community of about 2,861 people, with 16 larger places inside a 50-mile radius. What is available to Williston's 2,861 borrowers is set by South Carolina licensing and your own credit, not by how many branches are nearby. The nearest larger city, Barnwell, SC about 12 miles away.
South Carolina consumer-lending rules applied in Williston
Below are the South Carolina rules that apply to a loan made in Williston, each with the regulator that issued it.
| 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 |
| 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 |
Williston on the map
The Census Gazetteer records 9.0 square miles of land and 0.06 square miles of water within Williston. The resulting density is about 320 people per square mile. The largest place in South Carolina, Charleston, lies about 93 miles away. Within 50 miles of Williston there are 16 larger Census places. Within the same 50 miles lie 61 smaller Census places.
Common questions
What are my options in Williston if my credit is poor?
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Nearby places
- Elko, SC — population 141
- Windsor, SC — population 120
- Blackville, SC — population 1,907
- Snelling, SC — population 250
- Barnwell, SC — population 4,577
- Springfield, SC — population 435
- Salley, SC — population 349
- Hilda, SC — population 422