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Personal loans in Quinby, SC

Borrowers in Quinby use personal loans to consolidate balances or cover a one-time cost, and the terms depend on your credit, income and existing obligations. Quinby has a Census-estimated population of 905, ranking 156th among the 271 Census places in South Carolina. South Carolina law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Quinby at a glance

  • Population: about 905, 156th by size in South Carolina of 271 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 916 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
  • 2020 to 2023 change: down roughly 1.2% across the 2020-to-2023 comparison (US Census Bureau).
  • Rank among South Carolina places: the 156th-largest of 271 (US Census Bureau, 2023 estimate).
  • Size percentile: roughly 42% of South Carolina's places have fewer residents (US Census Bureau).
  • Coordinates: mapped at 34.2280, -79.7359 by the US Census Bureau Gazetteer.
  • Nearest larger cities within 120 miles: Florence, SC (5 mi); Darlington, SC (9 mi); Timmonsville, SC (13 mi); Pamplico, SC (19 mi); Latta, SC (19 mi) (US Census Bureau).
  • Nearest smaller communities: Sellers, SC (16 mi); Coward, SC (17 mi); Lamar, SC (19 mi), each a US Census place.

What a personal loan costs in Quinby

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

South Carolina lending rules that apply in Quinby

Where a figure is not published by the state, the row points to the source instead of guessing.

RuleDetailSource
Maximum legal interest rate (usury cap)8.75% per annum statutory legal rate where no rate is agreed (judgment rate: Wall Street Journal prime + 4 points).
Source says: "the legal interest shall be at the rate of eight and three-fourths percent per annum" (S.C. Code 34-31-20(A)).
South Carolina Legislature (S.C. Code of Laws)
as of 2026-09-16
Payday lending statusLegal for licensed deferred presentment providers; max $550 advanced at one time; fee limited to 15% of principal; term up to 31 days; 2025 repeal bill S.379 introduced but not enacted.
Source says: "The total amount advanced by a licensee to any customer at one time for deferred presentment or deposit may not exceed five hundred fifty dollars" (34-39-180(B)); fees capped at "fifteen percent of the principal amount of the transaction" (34-39-180(E)).
South Carolina Legislature (S.C. Code of Laws)
as of 2026-09-16
Small-loan / installment lender licensingConsumer Finance Division licenses and regulates companies making consumer loans with APRs exceeding 12% (Title 37 Consumer Protection Code; Consumer Finance Act, Title 34, ch. 29).
Source says: "The Consumer Finance Division (CFD) licenses and regulates the business activities of all companies... that make consumer loans which have annual percentage rates exceeding 12%."
South Carolina State Board of Financial Institutions - Consumer Finance Division
as of 2026-09-16
State lending regulatorSouth Carolina State Board of Financial Institutions - Consumer Finance Division (Office of the Commissioner of Consumer Finance)
Source says: "South Carolina State Board of Financial Institutions Office of the Commissioner of Consumer Finance" (site heading).
South Carolina State Board of Financial Institutions - Consumer Finance Division
as of 2026-09-16
Supervised loan threshold (state-specific rule)Consumer loans with a finance charge above 12%/year are "supervised loans" requiring licensed supervised lenders; supervised lenders may charge up to 18% per year on unpaid balances.
Source says: "Supervised loan means a consumer loan in which the rate of the loan finance charge exceeds twelve percent per year" (37-3-301); "eighteen percent per year on the unpaid balances of principal" (37-3-201(2)(c)).
South Carolina Legislature (S.C. Code of Laws)
as of 2026-09-16

How to compare offers in Quinby

Before you commit to a personal loan in Quinby, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in South Carolina using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Quinby?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Quinby are the same as elsewhere in South Carolina.
How much can I borrow with a personal loan in Quinby?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Quinby require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Quinby hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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