Best Personal Loan Rates in Gaffney, South Carolina (SC) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Gaffney, South Carolina include: Carolina Foothills Federal Credit UnionCarolina Foothills Federal Credit Union760 Hyatt St, Gaffney, SC, 29341A5.0 ★Texas Ratio: 8.30% offering Personal Loan at 10.90% APR, Founders Federal Credit UnionFounders Federal Credit Union1504 W Floyd Baker Blvd, Gaffney, SC, 29341 1204A+5.0 ★Texas Ratio: 4.65% offering Personal Loan at 11.40% APR, Mid Carolina Credit UnionMid Carolina Credit UnionA+5.0 ★Texas Ratio: 2.10% offering Share Loans at 4.00% APR, Market USA Federal Credit UnionMarket USA Federal Credit UnionA5.0 ★Texas Ratio: 6.88% offering Holiday Loan at 5.99% APR, and Houston Federal Credit UnionHouston Federal Credit UnionA+5.0 ★Texas Ratio: 2.55% offering Lot Loans at 5.99% APR. Personal loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Gaffney has 2 local institutions in our database, with personal loan rates as low as 10.90% APR from Carolina Foothills Federal Credit Union at 760 Hyatt St, Gaffney, SC, 29341. 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 Gaffney, South Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Gaffney, 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
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedApril 22, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1504 W Floyd Baker Blvd, Gaffney, SC, 29341 1204
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 22, 2026
Details
No additional details available.
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Credit Builder Loan
12.99%
▼
APR12.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR4.00%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
No additional details available.
APR5.99%
Last UpdatedApril 22, 2026
Details
As Low As; Up to 70% LTV
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 22, 2026
Details
As Low As; 71% to 80% LTV
APR6.99%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
APR7.49%
Last UpdatedApril 22, 2026
Details
As Low As; 81% to 90% LTV
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
APR7.75%
Last UpdatedApril 22, 2026
Details
$14,999
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
Personal Loans
7.99%
▼
APR7.99%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 2026
Details
As Low As
Market USA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
Personal Loan
8.24%
▼
APR8.24%
Last UpdatedApril 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
8.25%
▼
APR8.25%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
8.50%
▼
APR8.50%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 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 22, 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 22, 2026
Details
As Low As
APR9.00%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
9.25%
▼
APR9.25%
Last UpdatedApril 22, 2026
Details
As Low As
APR9.25%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As; Amount: Up to $2,500
Mid Carolina Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Personal Loans (Closed End)
9.90%
▼
APR9.90%
Last UpdatedApril 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%
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedApril 22, 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 22, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
10.00%
▼
APR10.00%
Last UpdatedApril 22, 2026
Details
As Low As
APR10.00%
Last UpdatedApril 22, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
As Low As
APR10.45%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
APR10.50%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
10.75%
▼
APR10.75%
Last UpdatedApril 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 22, 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 22, 2026
Details
$1,250; As Low As
AllSouth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Personal Loans
10.90%
▼
APR10.90%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 2026
Details
$3,500; As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
MAX LOAN TERMS
11.50%
▼
APR11.50%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR12.79%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
As Low As
Pee Dee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.02%
Personal Lines of Credit
14.00%
▼
APR14.00%
Last UpdatedApril 22, 2026
Details
$500 - $25000
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR18.00%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Carolina Foothills Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.30%
760 Hyatt St, Gaffney, SC, 29341
Personal Loan
10.90%
▼
APR10.90%
Last UpdatedApril 22, 2026
Details
As Low As
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
1504 W Floyd Baker Blvd, Gaffney, SC, 29341 1204
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedApril 22, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
6.75%
▼
APR6.75%
Last UpdatedApril 22, 2026
Details
As Low As
APR6.99%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
7.50%
▼
APR7.50%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
8.00%
▼
APR8.00%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 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 22, 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 22, 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 22, 2026
Details
Up to 60 months*
APR9.00%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
9.50%
▼
APR9.50%
Last UpdatedApril 22, 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 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%
Personal Loans
9.95%
▼
APR9.95%
Last UpdatedApril 22, 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 22, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Personal Loans
10.25%
▼
APR10.25%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
APR10.99%
Last UpdatedApril 22, 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 22, 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 22, 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 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Closed-End Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR12.79%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Closed-End Personal Loans
17.99%
▼
APR17.99%
Last UpdatedApril 22, 2026
Details
No additional details available.
APR18.00%
Last UpdatedApril 22, 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 22, 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 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: 0.90%
Signature & Revolving Credit
8.95%
▼
APR8.95%
Last UpdatedApril 22, 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 22, 2026
Details
As Low As
South Carolina State Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
Signature
10.75%
▼
APR10.75%
Last UpdatedApril 22, 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 22, 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 22, 2026
Details
No additional details available.
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No home improvement personal loan rates found in Gaffney, SC currently.
Gaffney, SC Personal Loan Rate Trends
Compare local Gaffney, 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
11.460%
▼ 0.120 vs 7 days ago
South Carolina personal loan rates fell 0.120 points over the past 7 days to 11.460% APR.
Signature Loan — SC Avg
10.696%
▼ 0.394 vs 7 days ago
South Carolina signature loan rates fell 0.394 points over the past 7 days to 10.696% APR.
As of Apr 22, 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 Gaffney, 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 Gaffney, 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 Gaffney, 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 Gaffney, South Carolina?
Credit unions in Gaffney, 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 Gaffney, South Carolina?
- Carolina Foothills Federal Credit Union: 10.90% (Personal Loan)
- Founders Federal Credit Union: 11.40% (Personal Loan)
- Mid Carolina Credit Union: 4.00% (Share Loans)
- Market USA Federal Credit Union: 5.99% (Holiday Loan)
- Houston Federal Credit Union: 5.99% (Lot Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Gaffney, 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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