Best Personal Loan Rates in Florence, South Carolina (SC) - April 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 Florence, South Carolina include: SCI Federal Credit UnionSCI Federal Credit Union812 2nd Loop Rd, Florence, SC, 29505 2828A+5.0 ★Texas Ratio: 0.38% offering Co-Maker Loan (Closed End Maximum) at 9.00% APR, SPC Credit UnionSPC Credit Union1312 Celebration Blvd, Florence, SC, 29501A5.0 ★Texas Ratio: 7.96% offering Personal Loans at 9.00% APR, Nucor Employees Credit UnionNucor Employees Credit Union1202 N Cashua Dr, Florence, SC, 29501A+5.0 ★Texas Ratio: 1.73% offering Share Loan at 10.00% APR, Sharonview Federal Credit UnionSharonview Federal Credit Union1921 W Palmetto St, Florence, SC, 29501 3916A5.0 ★Texas Ratio: 11.73% offering All-Purpose Loan at 10.74% APR, and South Carolina State Federal Credit UnionSouth Carolina State Federal Credit Union1504 N Cashua Dr, Florence, SC, 29501A+5.0 ★Texas Ratio: 3.29% offering Signature at 10.75% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Florence has 6 local institutions in our database, with personal loan rates as low as 9.00% APR from SCI Federal Credit Union at 812 2nd Loop Rd, Florence, SC, 29505 2828. 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 Florence, South Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Florence, 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 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC, 29505 2828
Co-Maker Loan (Closed End Maximum)
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
$5,000.00; As Low As
SCI Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
812 2nd Loop Rd, Florence, SC, 29505 2828
Vacation Loans (1 per Household per Cal. Year)
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
As Low As
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
1312 Celebration Blvd, Florence, SC, 29501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1202 N Cashua Dr, Florence, SC, 29501
Share Loan
10.00%
▼
APR10.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
1921 W Palmetto St, Florence, SC, 29501 3916
All-Purpose Loan
10.74%
▼
APR10.74%
Last UpdatedApril 29, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1504 N Cashua Dr, Florence, SC, 29501
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1504 N Cashua Dr, Florence, SC, 29501
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1504 N Cashua Dr, Florence, SC, 29501
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1202 N Cashua Dr, Florence, SC, 29501
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR4.00%
Last UpdatedApril 29, 2026
Details
Minimum rate of 4.00%
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Holiday Loan
5.99%
▼
APR5.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As
APR7.75%
Last UpdatedApril 29, 2026
Details
$14,999
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As; Working on a project? Need to make a purchase? We can help!
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 29, 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 29, 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 29, 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 29, 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 29, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedApril 29, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Personal Loans (Closed End)
9.90%
▼
APR9.90%
Last UpdatedApril 29, 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%
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedApril 29, 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 29, 2026
Details
As low as
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.25%
▼
APR10.25%
Last UpdatedApril 29, 2026
Details
$250; 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 29, 2026
Details
Rates subject to change. Please call for quote. Additional discounts may be available.
APR10.50%
Last UpdatedApril 29, 2026
Details
No additional details available.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Personal (Lifestyle Loan) to $20,000
10.75%
▼
APR10.75%
Last UpdatedApril 29, 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 29, 2026
Details
Rates starting at
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedApril 29, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedApril 29, 2026
Details
As Low As; Fixed Rates
CPM Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.96%
Personal Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Self Memorial Hospital Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 29, 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 29, 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 29, 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 29, 2026
Details
$3,500; As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 29, 2026
Details
No additional details available.
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 29, 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 29, 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 29, 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 29, 2026
Details
No additional details available.
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
Credit Builder Loan
12.99%
▼
APR12.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR18.00%
Last UpdatedApril 29, 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 29, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
1312 Celebration Blvd, Florence, SC, 29501
Personal Loans
9.00%
▼
APR9.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1504 N Cashua Dr, Florence, SC, 29501
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 29, 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 UpdatedApril 29, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1504 N Cashua Dr, Florence, SC, 29501
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
APR6.99%
Last UpdatedApril 29, 2026
Details
No additional details available.
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
7.24%
▼
APR7.24%
Last UpdatedApril 29, 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 29, 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 29, 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 29, 2026
Details
As Low As; Working on a project? Need to make a purchase? We can help!
Georgetown Kraft Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 29, 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 29, 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 29, 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 29, 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 29, 2026
Details
As Low As
Greenwood Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Personal Loan
8.75%
▼
APR8.75%
Last UpdatedApril 29, 2026
Details
Up to 60 months*
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
9.24%
▼
APR9.24%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Personal Loans (Closed End)
9.90%
▼
APR9.90%
Last UpdatedApril 29, 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%
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedApril 29, 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 29, 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 29, 2026
Details
Rates starting at
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedApril 29, 2026
Details
As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedApril 29, 2026
Details
As Low As; Fixed Rates
APR10.99%
Last UpdatedApril 29, 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 29, 2026
Details
No additional details available.
Latitude 32 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Personal Loans
11.20%
▼
APR11.20%
Last UpdatedApril 29, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 29, 2026
Details
No additional details available.
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 29, 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 29, 2026
Details
No additional details available.
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Powered by
MonitorBankRates
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: 4.35%
Debt Consolidation Loans
10.99%
▼
APR10.99%
Last UpdatedApril 29, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1504 N Cashua Dr, Florence, SC, 29501
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 29, 2026
Details
No additional details available.
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1202 N Cashua Dr, Florence, SC, 29501
Personal / Signature
18.00%
▼
APR18.00%
Last UpdatedApril 29, 2026
Details
No additional details available.
Greenville Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Signature & Revolving Credit
8.95%
▼
APR8.95%
Last UpdatedApril 29, 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 29, 2026
Details
As Low As
Powered by
MonitorBankRates
No home improvement personal loan rates found in Florence, SC currently.
Florence, SC Personal Loan Rate Trends
Compare local Florence, 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
11.494%
▼ 0.064 vs 7 days ago
South Carolina personal loan rates fell 0.064 points over the past 7 days to 11.494% APR.
Signature Loan — SC Avg
11.168%
▼ 0.052 vs 7 days ago
South Carolina signature loan rates fell 0.052 points over the past 7 days to 11.168% APR.
As of Apr 29, 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 Florence, 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 Florence, 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 Florence, 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 Florence, South Carolina?
Credit unions in Florence, 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 Florence, South Carolina?
- SCI Federal Credit Union: 9.00% (Co-Maker Loan (Closed End Maximum))
- SPC Credit Union: 9.00% (Personal Loans)
- Nucor Employees Credit Union: 10.00% (Share Loan)
- Sharonview Federal Credit Union: 10.74% (All-Purpose Loan)
- South Carolina State Federal Credit Union: 10.75% (Signature)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Florence, South Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026.
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