Best Personal Loan Rates in Florence, South Carolina - July
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current personal loan options available to borrowers in Florence, South Carolina include: SPC Credit UnionSPC Credit Union1312 Celebration Blvd, Florence, SC, 29501A5.0 ★Texas Ratio: 7.32% offering Personal Loans at 9.00% APR, SCI Federal Credit UnionSCI Federal Credit Union812 2nd Loop Rd, Florence, SC, 29505 2828A+5.0 ★Texas Ratio: 0.37% offering Co-Maker Loan (Closed End Maximum) at 9.00% APR, Sharonview Federal Credit UnionSharonview Federal Credit Union1921 W Palmetto St, Florence, SC, 29501 3916A5.0 ★Texas Ratio: 10.83% offering All-Purpose Loan at 10.74% APR, South Carolina State Federal Credit UnionSouth Carolina State Federal Credit Union1504 N Cashua Dr, Florence, SC, 29501A+5.0 ★Texas Ratio: 3.08% offering Signature Loan at 10.75% APR, and Pee Dee Federal Credit UnionPee Dee Federal Credit Union305 W Pine St, Florence, SC, 29501A+5.0 ★Texas Ratio: 0.02% offering MISCELLANEOUS EQUIPMENT Loan at 11.25% APR. Personal loan rates as of July 25, 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 SPC Credit Union at 1312 Celebration Blvd, Florence, SC, 29501. 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: July 25, 2026
Florence Personal Loan Rates
No additional details available.
$5,000.00; Co-Maker Loan Disclosure
Vacation Loan Disclosure
Fixed APR
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.
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.
Promotional APR (fixed): N/A. Regular APR (fixed): 15.9%
Promotional APR (fixed): N/A. Regular APR (fixed): 17.9%
No additional details available.
No additional details available.
Credit Score of 750; $7,500 Maximum
No additional details available.
All rates (APR) are as low as; Minimum secured by Share Account
10% down payment
No additional details available.
LTV: Up to 70%
As Low As
As Low As
LTV: 71% to 80%
60 months as low as 7.00%
As Low As;*
As Low As
As Low As; Rates as low as 7.49% APR.
LTV: 81% to 90%
120 months as low as 7.50%
As Low As
As Low As;*
As Low As
$14,999
No additional details available.
As Low As
No Terms
As Low As
As Low As
As Low As;*
No additional details available.
As Low As
As Low As;*
Rates subject to change. Please call for quote. Additional discounts may be available. As Low As
As Low As;* Minimum Loan Amount: $5,000
$15,000 - $25,000
No additional details available.
Up to $2,500
As Low As
As low as 9.90%; Rate Range 9.90% to 18.00%
As Low As; *
No additional details available.
No additional details available.
As Low As
All rates (APR) are as low as
All rates (APR) are as low as
Credit Score 0f 675 - 749; $7,500 Maximum
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
As Low As
Rates starting at
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.
As Low As
No additional details available.
As Low As
No additional details available.
As low as
As Low As
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
quarterly variable *12
No additional details available.
As Low As
No additional details available.
As Low As
No additional details available.
Must have 10 Co-Makers; $15,000 Maximum
Credit Score of 630 - 674; $7,500 Maximum
No additional details available.
No additional details available.
Credit Score of 580 - 629; $7,500 Maximum
No additional details available.
Florence Personal Loan Rates
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As;*
As Low As; Rates as low as 7.49% APR.
As Low As
As Low As;*
No additional details available.
As Low As
No Terms
As Low As
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
As Low As;* Minimum Loan Amount: $5,000
No additional details available.
As Low As
As low as 9.90%; Rate Range 9.90% to 18.00%
As Low As; *
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.
Rates starting at
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.
No additional details available.
As Low As
As Low As
As low as
No additional details available.
As Low As
Florence Debt Consolidation Loan Rates
All rates (APR) are as low as
Florence Signature Loan Rates
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.
Credit Score of 750; $7,500 Maximum
Up to $2,500
Credit Score 0f 675 - 749; $7,500 Maximum
All rates (APR) are as low as
As Low As; Fixed Rate
No additional details available.
No additional details available.
Credit Score of 630 - 674; $7,500 Maximum
Credit Score of 580 - 629; $7,500 Maximum
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.
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 Florence, 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 Florence, 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 Florence, 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 Florence, South Carolina?
What are the best personal loan rates in Florence, South Carolina?
- SPC Credit Union: 9.00% (Personal Loans)
- SCI Federal Credit Union: 9.00% (Co-Maker Loan (Closed End Maximum))
- Sharonview Federal Credit Union: 10.74% (All-Purpose Loan)
- South Carolina State Federal Credit Union: 10.75% (Signature Loan)
- Pee Dee Federal Credit Union: 11.25% (MISCELLANEOUS EQUIPMENT Loan)
Florence, South Carolina Rates & Resources
Personal Loan Calculators
