Best Personal Loan Rates in Columbia, South Carolina (SC) - April 2026
Content reviewed by
Brian McKay
i
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 Columbia, South Carolina include: Mid Carolina Credit UnionMid Carolina Credit Union100 Forum Dr Ste 4, Columbia, SC, 29229 7945A+5.0 ★Texas Ratio: 2.10% offering Share Loans at 4.00% APR, Self-Help Credit UnionSelf-Help Credit Union1724 Bush River Rd, Columbia, SC, 29210A5.0 ★Texas Ratio: 7.18% offering Energy Saver Loans at 5.75% APR, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union110 Outlet Pointe Blvd, Columbia, SC, 29210A+5.0 ★Texas Ratio: 4.17% offering Personal Loans at 6.75% APR, Grow Financial Federal Credit UnionGrow Financial Federal Credit Union163 Forum Dr Ste 1, Columbia, SC, 29229 5700A+5.0 ★Texas Ratio: 3.20% offering Signature at 9.75% APR, and South Carolina Methodist Conference Credit UnionSouth Carolina Methodist Conference Credit Union4901 Colonial Dr, Columbia, SC, 29203A+5.0 ★Texas Ratio: 4.51% offering Personal Loans at 9.95% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Columbia has 8 local institutions in our database, with personal loan rates as low as 4.00% APR from Mid Carolina Credit Union at 100 Forum Dr Ste 4, Columbia, SC, 29229 7945. Use the tabs below to compare all available personal loan types. 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 Columbia, South Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Columbia, 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: April 19, 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: 2.10%
100 Forum Dr Ste 4, Columbia, SC, 29229 7945
Share Loans
4.00%
▼
APR4.00%
Last UpdatedApril 20, 2026
Details
Minimum rate of 4.00%
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC, 29210
Energy Saver Loans
5.75%
▼
APR5.75%
Last UpdatedApril 20, 2026
Details
up to 180 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC, 29210
Solar Loans
5.75%
▼
APR5.75%
Last UpdatedApril 20, 2026
Details
up to 240 months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedApril 20, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
100 Forum Dr Ste 4, Columbia, SC, 29229 7945
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
MAX LOAN TERMS
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
MAX LOAN TERMS
8.25%
▼
APR8.25%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
MAX LOAN TERMS
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
MAX LOAN TERMS
9.25%
▼
APR9.25%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
163 Forum Dr Ste 1, Columbia, SC, 29229 5700
Signature
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
163 Forum Dr Ste 1, Columbia, SC, 29229 5700
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
100 Forum Dr Ste 4, Columbia, SC, 29229 7945
Personal Loans (Closed End)
9.90%
▼
APR9.90%
Last UpdatedApril 20, 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
9.95%
▼
APR9.95%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
MAX LOAN TERMS
10.00%
▼
APR10.00%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
MAX LOAN TERMS
10.75%
▼
APR10.75%
Last UpdatedApril 20, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC, 29201 3620
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
5470 Jackson Blvd, Columbia, SC, 29207
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedApril 20, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1400 Greene St Rm 227U, Columbia, SC, 29225
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 20, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
MAX LOAN TERMS
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC, 29210
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
up to 48 months
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC, 29210
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 20, 2026
Details
up to 48 months
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
100 Forum Dr Ste 4, Columbia, SC, 29229 7945
Personal Loan
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
Starter Loans
4.00%
▼
APR4.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Holiday Loan Rate
5.99%
▼
APR5.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 20, 2026
Details
As Low As; Up to 70% LTV
APR6.99%
Last UpdatedApril 20, 2026
Details
As Low As; 71% to 80% LTV
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedApril 20, 2026
Details
As Low As
APR7.49%
Last UpdatedApril 20, 2026
Details
As Low As; 81% to 90% LTV
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 20, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Health Smart Loan
7.75%
▼
APR7.75%
Last UpdatedApril 20, 2026
Details
As Low As; up to 48 months for up to $5,000
APR7.75%
Last UpdatedApril 20, 2026
Details
$14,999
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedApril 20, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Health Smart Loan
8.25%
▼
APR8.25%
Last UpdatedApril 20, 2026
Details
As Low As; 60 months for $5,001-$15,000
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans Up to 24 Months
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Health Smart Loan
8.50%
▼
APR8.50%
Last UpdatedApril 20, 2026
Details
As Low As; 72 months for $15,001-$25,000
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Debt Consolidation
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
As Low As; up to 24 months for $500-$2,499
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
As Low As; up to 24 months for $500-$2,499
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
Up to 60 months*
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Signature & Revolving Credit
8.95%
▼
APR8.95%
Last UpdatedApril 20, 2026
Details
As Low As
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
Signature/Personal Closed End Loans
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Co-Maker Loan (Closed End Maximum)
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
$5,000.00; As Low As
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
Vacation Loans (1 per Household per Cal. Year)
9.00%
▼
APR9.00%
Last UpdatedApril 20, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedApril 20, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 20, 2026
Details
$15,000 -$25,000
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans 25 to 60 Months
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Loan Special
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
As Low As; Amount: Up to $2,500
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As low as
APR10.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
$250; As Low As
APR10.45%
Last UpdatedApril 20, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
Personal Custom Loan
10.45%
▼
APR10.45%
Last UpdatedApril 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 20, 2026
Details
Loan amounts up to $15,000.00; Seasonal Christmas & Vacation Loans
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedApril 20, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.75%
▼
APR10.75%
Last UpdatedApril 20, 2026
Details
$1,250; As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedApril 20, 2026
Details
As Low As
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Debt Consolidation Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Personal Loans
11.20%
▼
APR11.20%
Last UpdatedApril 20, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
11.25%
▼
APR11.25%
Last UpdatedApril 20, 2026
Details
$3,500; As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans Moneyline Line-of-Credit
11.75%
▼
APR11.75%
Last UpdatedApril 20, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
11.75%
▼
APR11.75%
Last UpdatedApril 20, 2026
Details
$7,000; As Low As
Greenville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Personal Note
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Credit Builder Loan
12.00%
▼
APR12.00%
Last UpdatedApril 20, 2026
Details
6 - 12 months for $500-$1,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 730+
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
APR12.79%
Last UpdatedApril 20, 2026
Details
As Low As
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Personal Loans
12.79%
▼
APR12.79%
Last UpdatedApril 20, 2026
Details
As Low As
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
Credit Builder Loan
12.99%
▼
APR12.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
13.25%
▼
APR13.25%
Last UpdatedApril 20, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 680 - 729
13.75%
▼
APR13.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Lines of Credit
14.00%
▼
APR14.00%
Last UpdatedApril 20, 2026
Details
$500 - $25000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 640 - 679
14.75%
▼
APR14.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 600 - 639
16.75%
▼
APR16.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 550 - 599
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
Advantage Loans
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
As Low As
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Short Term, Small Amount Loans (STS Loans)
28.00%
▼
APR28.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
STSA Personal Loan
28.00%
▼
APR28.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
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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: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedApril 20, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
100 Forum Dr Ste 4, Columbia, SC, 29229 7945
Personal Loan
6.99%
▼
APR6.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 20, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
100 Forum Dr Ste 4, Columbia, SC, 29229 7945
Personal Loans (Closed End)
9.90%
▼
APR9.90%
Last UpdatedApril 20, 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
9.95%
▼
APR9.95%
Last UpdatedApril 20, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
110 Outlet Pointe Blvd, Columbia, SC, 29210
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 20, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
5470 Jackson Blvd, Columbia, SC, 29207
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedApril 20, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1400 Greene St Rm 227U, Columbia, SC, 29225
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 20, 2026
Details
No additional details available.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC, 29201 3620
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedApril 20, 2026
Details
No additional details available.
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
100 Forum Dr Ste 4, Columbia, SC, 29229 7945
Personal Loan
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Berkeley Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Personal Loans
7.00%
▼
APR7.00%
Last UpdatedApril 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedApril 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
7.74%
▼
APR7.74%
Last UpdatedApril 20, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Loan
7.99%
▼
APR7.99%
Last UpdatedApril 20, 2026
Details
As Low As
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedApril 20, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans Up to 24 Months
8.49%
▼
APR8.49%
Last UpdatedApril 20, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
8.74%
▼
APR8.74%
Last UpdatedApril 20, 2026
Details
As Low As
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
As Low As; up to 24 months for $500-$2,499
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
Up to 60 months*
APR9.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedApril 20, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans 25 to 60 Months
9.49%
▼
APR9.49%
Last UpdatedApril 20, 2026
Details
As Low As
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Personal Loan
9.99%
▼
APR9.99%
Last UpdatedApril 20, 2026
Details
As low as
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedApril 20, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Personal Loans
11.20%
▼
APR11.20%
Last UpdatedApril 20, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
Personal Loans Moneyline Line-of-Credit
11.75%
▼
APR11.75%
Last UpdatedApril 20, 2026
Details
As Low As
APR12.79%
Last UpdatedApril 20, 2026
Details
As Low As
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Personal Loans
12.79%
▼
APR12.79%
Last UpdatedApril 20, 2026
Details
As Low As
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Loans
13.25%
▼
APR13.25%
Last UpdatedApril 20, 2026
Details
As Low As
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
STSA Personal Loan
28.00%
▼
APR28.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Carolina Trust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Debt Consolidation
8.75%
▼
APR8.75%
Last UpdatedApril 20, 2026
Details
As Low As; up to 24 months for $500-$2,499
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Debt Consolidation Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
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Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
163 Forum Dr Ste 1, Columbia, SC, 29229 5700
Signature
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
Grow Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
163 Forum Dr Ste 1, Columbia, SC, 29229 5700
Signature Loan
9.75%
▼
APR9.75%
Last UpdatedApril 20, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
800 Huger St, Columbia, SC, 29201 3620
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC, 29210
Signature Loans with Collateral
11.50%
▼
APR11.50%
Last UpdatedApril 20, 2026
Details
up to 48 months
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1724 Bush River Rd, Columbia, SC, 29210
Signature- Unsecured
12.50%
▼
APR12.50%
Last UpdatedApril 20, 2026
Details
up to 48 months
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Signature & Revolving Credit
8.95%
▼
APR8.95%
Last UpdatedApril 20, 2026
Details
As Low As
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
Signature/Personal Closed End Loans
8.99%
▼
APR8.99%
Last UpdatedApril 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
Signature Loans
10.50%
▼
APR10.50%
Last UpdatedApril 20, 2026
Details
As Low As
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 20, 2026
Details
As Low As
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 730+
12.75%
▼
APR12.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 680 - 729
13.75%
▼
APR13.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 640 - 679
14.75%
▼
APR14.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 600 - 639
16.75%
▼
APR16.75%
Last UpdatedApril 20, 2026
Details
No additional details available.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
PERSONAL/signature Advances 550 - 599
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 20, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Columbia, SC currently.
Columbia, SC Personal Loan Rate Trends
Compare local Columbia, SC 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
10.820%
▼ 0.760 vs 7 days ago
South Carolina personal loan rates fell 0.760 points over the past 7 days to 10.820% APR.
Signature Loan — SC Avg
11.214%
▲ 0.110 vs 7 days ago
South Carolina signature loan rates rose 0.110 points over the past 7 days to 11.214% APR.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in South Carolina?
Most lenders in Columbia, 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 Columbia, 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 Columbia, 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 Columbia, South Carolina?
Credit unions in Columbia, 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 Columbia, South Carolina?
- Mid Carolina Credit Union: 4.00% (Share Loans)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Carolinas Telco Federal Credit Union: 6.75% (Personal Loans)
- Grow Financial Federal Credit Union: 9.75% (Signature)
- South Carolina Methodist Conference Credit Union: 9.95% (Personal Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Columbia, South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026.
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