Best Personal Loan Rates in Columbia, South Carolina - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Columbia, South Carolina include: Columbia Post Office Credit UnionColumbia Post Office Credit Union1601 Assembly St, Columbia, SC, 29201 2762A+5.0 ★Texas Ratio: 0.48% offering SIGNATURE LOANS at 5.00% 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, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union110 Outlet Pointe Blvd, Columbia, SC, 29210A+5.0 ★Texas Ratio: 3.88% offering Personal Loans at 6.75% APR, Mid Carolina Credit UnionMid Carolina Credit Union100 Forum Dr Ste 4, Columbia, SC, 29229 7945A+5.0 ★Texas Ratio: 2.02% offering Land Loan at 7.00% 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 - up to 36 months at 9.95% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Columbia has 8 local institutions in our database, with personal loan rates as low as 5.00% APR from Columbia Post Office Credit Union at 1601 Assembly St, Columbia, SC, 29201 2762. 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: July 25, 2026
Columbia Personal Loan Rates
Credit Score of 750; $7,500 Maximum
No additional details available.
As Low As
60 months as low as 7.00%
As Low As
120 months as low as 7.50%
As Low As
As Low As
As Low As
As Low As
As Low As
As low as 9.90%; Rate Range 9.90% to 18.00%
As Low As; *
Credit Score 0f 675 - 749; $7,500 Maximum
As Low As
As Low As
As Low As
Promotional APR (fixed): N/A. Regular APR (fixed): 10.75%*. The Visa Signature card has a variable rate based on the Prime Rate as reported by the Wall Street Journal, plus 4% APR. As of 12/11/2025, the Prime Rate was 6.75%. Accordingly, the current APR for a Visa Signature card from State Credit Union is 10.75%. Rates adjust at the next monthly statement if there is a change in the Prime Rate. The minimum credit limit for the Visa Signature card is $5,000 and may be subject to income verification.
Rates effective as of February 1, 2026
Rates range from 10.90% - 17.90% APR. Loan amounts available up to $15,000. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.
Promotional APR (fixed): N/A. Regular APR (fixed): 10.9%
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Must have 10 Co-Makers; $15,000 Maximum
Credit Score of 630 - 674; $7,500 Maximum
Promotional APR (fixed): N/A. Regular APR (fixed): 15.9%
Promotional APR (fixed): N/A. Regular APR (fixed): 17.9%
Credit Score of 580 - 629; $7,500 Maximum
No additional details available.
All rates (APR) are as low as; Minimum secured by Share Account
10% down payment
LTV: Up to 70%
As Low As
LTV: 71% to 80%
As Low As;*
As Low As; Rates as low as 7.49% APR.
LTV: 81% to 90%
As Low As;*
$14,999
As Low As
No additional details available.
As Low As
No Terms
As Low As;*
No additional details available.
As Low As;*
Rates subject to change. Please call for quote. Additional discounts may be available. As Low As
No additional details available.
$5,000.00; Co-Maker Loan Disclosure
Vacation Loan Disclosure
As Low As;* Minimum Loan Amount: $5,000
$15,000 - $25,000
No additional details available.
Up to $2,500
No additional details available.
No additional details available.
All rates (APR) are as low as
All rates (APR) are as low as
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Rates subject to change. Please call for quote. Additional discounts may be available.
As Low As; Fixed Rate
Fixed APR
Rates starting at
No additional details available.
No additional details available.
As Low As
As Low As
As low as
As Low As
No additional details available.
No additional details available.
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As Low As
quarterly variable *12
As Low As
No additional details available.
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Columbia Personal Loan Rates
As Low As
As Low As
As Low As
As Low As
As low as 9.90%; Rate Range 9.90% to 18.00%
As Low As; *
As Low As
Rates range from 10.90% - 17.90% APR. Loan amounts available up to $15,000. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.
Rates effective as of February 1, 2026
No additional details available.
No additional details available.
As Low As;*
As Low As; Rates as low as 7.49% APR.
As Low As;*
No additional details available.
As Low As
No Terms
As Low As;*
No additional details available.
As Low As;*
Rates subject to change. Please call for quote. Additional discounts may be available. As Low As
No additional details available.
As Low As;* Minimum Loan Amount: $5,000
No additional details available.
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Rates subject to change. Please call for quote. Additional discounts may be available.
Rates starting at
No additional details available.
As Low As
As Low As
As low as
As Low As
No additional details available.
No additional details available.
Columbia Debt Consolidation Loan Rates
All rates (APR) are as low as
Columbia Signature Loan Rates
Credit Score of 750; $7,500 Maximum
Credit Score 0f 675 - 749; $7,500 Maximum
Promotional APR (fixed): N/A. Regular APR (fixed): 10.75%*. The Visa Signature card has a variable rate based on the Prime Rate as reported by the Wall Street Journal, plus 4% APR. As of 12/11/2025, the Prime Rate was 6.75%. Accordingly, the current APR for a Visa Signature card from State Credit Union is 10.75%. Rates adjust at the next monthly statement if there is a change in the Prime Rate. The minimum credit limit for the Visa Signature card is $5,000 and may be subject to income verification.
No additional details available.
No additional details available.
Credit Score of 630 - 674; $7,500 Maximum
Credit Score of 580 - 629; $7,500 Maximum
Up to $2,500
All rates (APR) are as low as
As Low As; Fixed Rate
No additional details available.
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.
South Carolina personal loan rates rose 0.040 points over the past 7 days to 10.746% APR.
South Carolina signature loan rates currently average 11.709% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Columbia, 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 Columbia, 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 Columbia, 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?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in South Carolina?
Are credit unions or banks better for personal loans in Columbia, South Carolina?
What are the best personal loan rates in Columbia, South Carolina?
- Columbia Post Office Credit Union: 5.00% (SIGNATURE LOANS)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Carolinas Telco Federal Credit Union: 6.75% (Personal Loans)
- Mid Carolina Credit Union: 7.00% (Land Loan)
- South Carolina Methodist Conference Credit Union: 9.95% (Personal Loans - up to 36 months)
Columbia, South Carolina Rates & Resources
Personal Loan Calculators
