Personal loans in Yemassee, SC

Yemassee is a small community in South Carolina, with an estimated 1,082 residents, and every licensed lender here follows the same state rulebook. Yemassee is one of 271 Census places in South Carolina; its 1,082 residents put it at 147th. The nearest larger metro is Ridgeland, SC about 15 miles away. Yemassee lost roughly 1.3% of its population across the 2020-to-2023 comparison. State law, not city hall, decides what a lender may do to Yemassee's roughly 1,082 residents, and a state regulator supervises it. If debt is already a strain, a nonprofit credit counsellor can help Yemassee residents before they take on more.

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.

Yemassee: the sourced local profile

Only a few things actually differ by place — population, area, location, and the South Carolina rules a lender must follow — and they are below.

How lenders reach Yemassee

Yemassee is a sparsely settled community of about 1,082 people, with 36 larger places inside a 50-mile radius. Lenders licensed in South Carolina reach Yemassee's 1,082 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Ridgeland, SC about 15 miles away.

How South Carolina law applies in Yemassee

These are South Carolina's sourced lending facts as they reach Yemassee's 1,082 residents; the state has no city-level rate rule.

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
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

Yemassee on the map

Inside Yemassee's boundaries lie about 10.9 square miles of land, with no significant water area recorded. With 1,082 residents, the land area yields roughly 99 people per square mile. The state's population centre of gravity, Charleston, is roughly 52 miles away. A 50-mile radius around Yemassee takes in 36 places that are larger. The 100-mile radius contains 99 larger places.

What a Yemassee borrower is actually offered

Yemassee is a small community of about 1,082 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Yemassee loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Yemassee loan is knowable in advance — unlike a revolving card balance.

Yemassee in state context

Set beside South Carolina's 271 places, Yemassee ranks 147th by population and holds about 0.1% of the state total. Its 2020-to-2023 change ranks 193rd of 271 South Carolina places, putting it near the 29th percentile for growth. By density, at about 99 people per square mile, it ranks 251st in South Carolina. The population moved by about 14 people between 2020 and 2023, a 1.3% shift.

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

Nearby places

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