Personal loans in Charleston, SC

Charleston: population, trend and location

Two layers matter for a Charleston borrower: the local population picture and South Carolina's consumer-lending statutes.

• Population: 155,369 residents; Charleston is the 1st-largest of 271 places in South Carolina (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 3.3% from 2020 to 2023.
• Net change: roughly 4,959 more people than the 2020 Census counted.
• Size percentile: roughly 100% of South Carolina's places have fewer residents than Charleston's 155,369.
• Population density: 1,348 people per square mile on 115.2 square miles of land.
• By land area: Charleston ranks 2nd among South Carolina's 271 places, at 115.2 sq mi.
• Water area: Charleston has 20.87 square miles of water, ranking 2nd of 271 places in South Carolina.
• Within South Carolina: about 7.8% of the state's population lives in Charleston.
• National rank: Charleston sits 166th by population among the 19,457 places in this dataset.
• Growth rank: Charleston's 2020-to-2023 change ranks 84th of 271 places in South Carolina.
• Against the state trend: Charleston's 3.3% change compares with a South Carolina average of +2.6% across its 271 places.
• Density rank: Charleston places 41st among South Carolina's places by people per square mile.
• Against the state median: Charleston runs about 1,348 residents per square mile, where the South Carolina median is 584.
• Location: 32.8280 / -79.9729, per the US Census Bureau Gazetteer.
• Nearest smaller towns: Mount Pleasant (6 mi); James Island (7 mi); Hanahan (7 mi).
• Within a 50-mile radius: 34 smaller Census places.
• Larger places within 100 miles: 0.

Charleston on the map

Charleston's land area is about 115.2 square miles; a further 20.87 square miles is water. That land carries about 1,348 people per square mile. Charleston has 0 larger places within a 50-mile radius. The 100-mile radius contains 0 larger places.

What to do before borrowing in Charleston

Complete these steps first when you borrow in Charleston (155,369 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a South Carolina licence by checking the regulator named above.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Decide the purpose and how you will repay it before approaching any lender.

In Charleston as elsewhere in South Carolina, the written terms — not the advertisement — are what count for its 155,369 residents.

Inside a Charleston personal loan

Charleston is a sizable city of about 155,369 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Charleston can be quoted different APRs on the same amount and term. Shortening the term on a Charleston loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Getting a loan in Charleston

Charleston is a moderately settled community of about 155,369 people, with 0 larger places inside a 50-mile radius. Lenders licensed in South Carolina reach Charleston's 155,369 residents online, so the nearest branch is not what sets your APR.

What South Carolina law requires in Charleston

For the roughly 155,369 residents of Charleston, the rules below are South Carolina's own; each row carries its publisher and retrieval date.