Best Personal Loan Rates in South Carolina (SC) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to South Carolina borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
Current personal loan options available to borrowers in South Carolina include: Mid Carolina Credit UnionMid Carolina Credit Union1015 Mill St, Camden, SC, 29020A+5.0 ★Texas Ratio: 2.02% offering Share Loans at 4.00% APR, Self Memorial Hospital Federal Credit UnionSelf Memorial Hospital Federal Credit Union315 EPTING AVE, GREENWOOD, SC, 29646 4039A+5.0 ★Texas Ratio: 4.16% offering CREDIT BUILDER LOAN at 5.10% APR, Self-Help Credit UnionSelf-Help Credit Union1724 Bush River Rd, Columbia, SC, 29210A5.0 ★Texas Ratio: 6.49% offering Energy Saver Loans at 5.75% APR, Houston Federal Credit UnionHouston Federal Credit Union100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761A+5.0 ★Texas Ratio: 2.47% offering Lot Loans at 5.99% APR, and Market USA Federal Credit UnionMarket USA Federal Credit Union201 Bi Lo Blvd, Greenville, SC, 29607 5346A5.0 ★Texas Ratio: 5.99% offering Holiday Loan at 5.99% APR. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across South Carolina side-by-side. South Carolina personal loan rates currently start as low as 4.00% APR from Mid Carolina Credit Union at 1015 Mill St, Camden, SC, 29020. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in South Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in South Carolina. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: May 22, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1015 Mill St, Camden, SC, 29020
Share Loans
4.00%
▼
APR4.00%
Last UpdatedMay 22, 2026
Details
Minimum rate of 4.00%
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
315 EPTING AVE, GREENWOOD, SC, 29646 4039
CREDIT BUILDER LOAN
5.10%
▼
APR5.10%
Last UpdatedMay 22, 2026
Details
As Low As; secured by Share Account
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1724 Bush River Rd, Columbia, SC, 29210
Energy Saver Loans
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
up to 180 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1724 Bush River Rd, Columbia, SC, 29210
Solar Loans
5.75%
▼
APR5.75%
Last UpdatedMay 22, 2026
Details
up to 240 months
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Lot Loans
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
As Low As; Up to 70%
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Lot Loans
6.99%
▼
APR6.99%
Last UpdatedMay 22, 2026
Details
As Low As; 71% to 80%
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Loan
7.25%
▼
APR7.25%
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Lot Loans
7.49%
▼
APR7.49%
Last UpdatedMay 22, 2026
Details
As Low As; 81% to 90%
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
200 Marymeade Dr, Summerville, SC, 29483
Other Collateralized Loans Less than
7.75%
▼
APR7.75%
Last UpdatedMay 22, 2026
Details
$14,999
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
3621 Pelham Rd, Greenville, SC, 29615
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
225 W Blackstock Rd, Spartanburg, SC, 29301
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1530 Bourne St, Georgetown, SC, 29440 4775
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Up to 24 Months Loan
8.49%
▼
APR8.49%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Loan
8.50%
▼
APR8.50%
Last UpdatedMay 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
617 Durst Ave E, Greenwood, SC, 29649 2713
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2A The Pkwy, Greenville, SC, 29615
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
Signature & Revolving Credit Loan
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
As Low As
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
204 N 5th St, Hartsville, SC, 29550 4136
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
812 2nd Loop Rd, Florence, SC, 29505 2828
Co-Maker Loan (Closed End Maximum)
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
$5,000.00; As Low As
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
812 2nd Loop Rd, Florence, SC, 29505 2828
Vacation Loans (1 per Household per Cal. Year)
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMay 22, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
200 Marymeade Dr, Summerville, SC, 29483
Other Collateralized Loans
9.25%
▼
APR9.25%
Last UpdatedMay 22, 2026
Details
$15,000 -$25,000
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
25 to 60 Months Loan
9.49%
▼
APR9.49%
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Loan Special
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As; Amount: Up to $2,500
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1015 Mill St, Camden, SC, 29020
Personal Loans (Closed End)
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As Low As; Terms vary Rate Range 9.90% to 18.00%
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
Personal Loans - up to 36 months
9.95%
▼
APR9.95%
Last UpdatedMay 22, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1015 Mill St, Camden, SC, 29020
Personal
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As Low As; Rates range from 9.99% to 18.00% APR*
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
225 White St W, Rock Hill, SC, 29730 4039
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As low as
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
315 EPTING AVE, GREENWOOD, SC, 29646 4039
DEBT CONSOLIDATION LOANS
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
315 EPTING AVE, GREENWOOD, SC, 29646 4039
SIGNATURE LOANS
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Loan
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 22, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2A The Pkwy, Greenville, SC, 29615
Personal Loans
10.45%
▼
APR10.45%
Last UpdatedMay 22, 2026
Details
As Low As
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
123 Broadbent Way, Anderson, SC, 29625
Personal
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
Loan amounts up to $15,000.00; Seasonal Christmas & Vacation Loans
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.83%
1955 Sharonview Way, Indian Land, SC, 29707
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Loan
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
800 Huger St, Columbia, SC, 29201 3620
Signature
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
520 N Church St, Spartanburg, SC, 29303 3034
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5470 Jackson Blvd, Columbia, SC, 29207
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.28%
1066 E Montague Ave, North Charleston, SC, 29405
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
1845 Sam Rittenberg Blvd, Charleston, SC, 29407
Personal Loans
11.20%
▼
APR11.20%
Last UpdatedMay 22, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
Unsecured Loan
11.24%
▼
APR11.24%
Last UpdatedMay 22, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
607 N Main St, Lancaster, SC, 29720
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1724 Bush River Rd, Columbia, SC, 29210
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedMay 22, 2026
Details
up to 48 months
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2009 Dyess Ave Bldg F, Charleston, SC, 29405 2502
Moneyline Line-of-Credit Loan
11.75%
▼
APR11.75%
Last UpdatedMay 22, 2026
Details
As Low As
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
1501 Wade Hampton Blvd, Greenville, SC, 29609
Personal Note
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1111 Honda Way, Timmonsville, SC, 29161
Unsecured Loan
12.24%
▼
APR12.24%
Last UpdatedMay 22, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1724 Bush River Rd, Columbia, SC, 29210
Signature- Unsecured Loan
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
up to 48 months
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.28%
1066 E Montague Ave, North Charleston, SC, 29405
Personal Loan
12.79%
▼
APR12.79%
Last UpdatedMay 22, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
520 N Church St, Spartanburg, SC, 29303 3034
Credit Builder Loan
12.99%
▼
APR12.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
305 W Pine St, Florence, SC, 29501
PERSONAL LOANS
13.25%
▼
APR13.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
305 W Pine St, Florence, SC, 29501
PERSONAL LINES OF CREDIT
14.00%
▼
APR14.00%
Last UpdatedMay 22, 2026
Details
$500 - $25000
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1015 Mill St, Camden, SC, 29020
Personal
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
As Low As; Rates range from 9.99% to 18.00% APR*
Upstate Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
123 Broadbent Way, Anderson, SC, 29625
Personal
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
Loan amounts up to $15,000.00; Seasonal Christmas & Vacation Loans
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1202 N Cashua Dr, Florence, SC, 29501
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
305 W Pine St, Florence, SC, 29501
STSA PERSONAL LOAN
28.00%
▼
APR28.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
Short Term, Small Amount Loans (STS Loans)
28.00%
▼
APR28.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
6.75%
▼
APR6.75%
Last UpdatedMay 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
7.50%
▼
APR7.50%
Last UpdatedMay 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedMay 22, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
3621 Pelham Rd, Greenville, SC, 29615
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
225 W Blackstock Rd, Spartanburg, SC, 29301
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
1530 Bourne St, Georgetown, SC, 29440 4775
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedMay 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedMay 22, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
617 Durst Ave E, Greenwood, SC, 29649 2713
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedMay 22, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2A The Pkwy, Greenville, SC, 29615
Personal Loans
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
204 N 5th St, Hartsville, SC, 29550 4136
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.99%
201 Bi Lo Blvd, Greenville, SC, 29607 5346
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedMay 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
9.50%
▼
APR9.50%
Last UpdatedMay 22, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1015 Mill St, Camden, SC, 29020
Personal Loans (Closed End)
9.90%
▼
APR9.90%
Last UpdatedMay 22, 2026
Details
As Low As; Terms vary Rate Range 9.90% to 18.00%
South Carolina Methodist Conference Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
4901 Colonial Dr, Columbia, SC, 29203
Personal Loans - up to 36 months
9.95%
▼
APR9.95%
Last UpdatedMay 22, 2026
Details
As Low As
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
225 White St W, Rock Hill, SC, 29730 4039
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedMay 22, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loan
10.25%
▼
APR10.25%
Last UpdatedMay 22, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
2A The Pkwy, Greenville, SC, 29615
Personal Loans
10.45%
▼
APR10.45%
Last UpdatedMay 22, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
520 N Church St, Spartanburg, SC, 29303 3034
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5470 Jackson Blvd, Columbia, SC, 29207
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedMay 22, 2026
Details
As Low As
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.28%
1066 E Montague Ave, North Charleston, SC, 29405
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMay 22, 2026
Details
As Low As
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
1845 Sam Rittenberg Blvd, Charleston, SC, 29407
Personal Loans
11.20%
▼
APR11.20%
Last UpdatedMay 22, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
607 N Main St, Lancaster, SC, 29720
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMay 22, 2026
Details
No additional details available.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.28%
1066 E Montague Ave, North Charleston, SC, 29405
Personal Loan
12.79%
▼
APR12.79%
Last UpdatedMay 22, 2026
Details
As Low As
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
305 W Pine St, Florence, SC, 29501
PERSONAL LOANS
13.25%
▼
APR13.25%
Last UpdatedMay 22, 2026
Details
No additional details available.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedMay 22, 2026
Details
No additional details available.
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
305 W Pine St, Florence, SC, 29501
STSA PERSONAL LOAN
28.00%
▼
APR28.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
315 EPTING AVE, GREENWOOD, SC, 29646 4039
DEBT CONSOLIDATION LOANS
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
350 Harrison Bridge Rd, Simpsonville, SC, 29680
Signature & Revolving Credit Loan
8.95%
▼
APR8.95%
Last UpdatedMay 22, 2026
Details
As Low As
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
315 EPTING AVE, GREENWOOD, SC, 29646 4039
SIGNATURE LOANS
10.00%
▼
APR10.00%
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
100 Fluor Daniel Dr # C102U, Greenville, SC, 29607 2761
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedMay 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
800 Huger St, Columbia, SC, 29201 3620
Signature
10.75%
▼
APR10.75%
Last UpdatedMay 22, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1724 Bush River Rd, Columbia, SC, 29210
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedMay 22, 2026
Details
up to 48 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
1724 Bush River Rd, Columbia, SC, 29210
Signature- Unsecured Loan
12.50%
▼
APR12.50%
Last UpdatedMay 22, 2026
Details
up to 48 months
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
1202 N Cashua Dr, Florence, SC, 29501
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedMay 22, 2026
Details
No additional details available.
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MonitorBankRates
No home improvement personal loan rates found in South Carolina currently.
South Carolina Personal Loan Rate Trends
Compare local South Carolina personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Personal Loan — SC Avg
11.467%
▼ 0.015 vs 7 days ago
South Carolina personal loan rates fell 0.015 points over the past 7 days to 11.467% APR.
Signature Loan — SC Avg
11.111%
Unchanged vs 7 days ago
South Carolina signature loan rates currently average 11.111% APR.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our South Carolina personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for South Carolina directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in South Carolina. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in SC.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in South Carolina?
Most lenders in South Carolina require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in South Carolina often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in South Carolina require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in South Carolina?
Yes. Debt consolidation is one of the most common uses of personal loans in South Carolina. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in South Carolina?
Credit unions in South Carolina often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in South Carolina?
- Mid Carolina Credit Union: 4.00% (Share Loans)
- Self Memorial Hospital Federal Credit Union: 5.10% (CREDIT BUILDER LOAN)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Houston Federal Credit Union: 5.99% (Lot Loans)
- Market USA Federal Credit Union: 5.99% (Holiday Loan)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 22, 2026.
