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.
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.
- Population: about 1,082 people live here, which puts Yemassee 147th of 271 Census places in South Carolina (Vintage 2023).
- Population trend: A loss of roughly 1.3% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 14 residents.
- Size percentile: with 1,082 residents, Yemassee is larger than about 46% of South Carolina's Census places.
- Population density: 99 people per square mile on 10.9 square miles of land.
- By land area: Yemassee ranks 39th among South Carolina's 271 places, at 10.9 sq mi.
- Within South Carolina: about 0.1% of the state's population lives in Yemassee.
- Nationally: Yemassee is the 9,914th-largest of 19,457 Census places in the dataset.
- Growth in South Carolina: Yemassee stands 193rd by percentage change from 2020 to 2023, among 271 places.
- Against the state trend: Yemassee's 1.3% change compares with a South Carolina average of +2.6% across its 271 places.
- Density rank: Yemassee is the 251st most densely settled place in South Carolina.
- Density in context: Yemassee's 99 people per square mile sit against a South Carolina median of 584.
- Location: mapped by the US Census Bureau at 32.6783, -80.8479.
- Nearest larger cities: Ridgeland (15 mi); Beaufort (17 mi); Varnville (18 mi); Walterboro (18 mi); Hampton (20 mi). Lenders licensed in the state serve Yemassee whether or not they keep a local branch.
- Smaller towns nearby: Furman (20 mi); Scotia (23 mi); Williams (25 mi).
- Smaller places within 50 miles: 27 of them.
- Within 100 miles: 99 places are larger than Yemassee.
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.
| 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 |
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.
Common questions
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Nearby places
- Ridgeland, SC — population 3,749
- Beaufort, SC — population 13,850
- Walterboro, SC — population 5,475
- Varnville, SC — population 1,622
- Hampton, SC — population 2,610
- Furman, SC — population 222
- Port Royal, SC — population 16,287
- Williams, SC — population 96