Personal loans in Mount Pleasant, SC

A lender serving Mount Pleasant holds a South Carolina licence and answers to a South Carolina regulator; no city office is involved for its 95,232 residents. The 2020 count to the 2023 estimate shows about 4.7% growth in Mount Pleasant.

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

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Roughly 95,232 residents live in Mount Pleasant, the 4th-largest community in South Carolina. Compare APR, not the interest rate, because the APR folds in most fees on a Mount Pleasant loan. Every figure below is South Carolina's own, applied to Mount Pleasant's 95,232 residents, with the publisher and retrieval date attached. The nearest larger metro is Charleston, SC about 6 miles away.

Mount Pleasant: the sourced local profile

Set out below is Mount Pleasant's local context next to the state-level rules that reach every lender here.

Population: 95,232 people, a figure that places Mount Pleasant 4th among the 271 Census places in South Carolina (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is positive, near 4.7%.
Net change: roughly 4,266 more people than the 2020 Census counted.
Size percentile: roughly 99% of South Carolina's places have fewer residents than Mount Pleasant's 95,232.
Density: the Census land area of 49.7 sq mi holds about 1,918 people per square mile.
Land area: Mount Pleasant covers 49.7 square miles, the 6th-largest area among South Carolina's 271 places.
Water area rank: Mount Pleasant ranks 3rd among South Carolina's 271 places, with 8.70 sq mi.
Share of state population: Mount Pleasant's 95,232 residents are about 4.8% of South Carolina.
National rank: Mount Pleasant is the 348th most populous of the 19,457 Census places covered here.
Growth rank: Mount Pleasant's 2020-to-2023 change ranks 64th of 271 places in South Carolina.
Versus South Carolina: the state average change is +2.6%, while Mount Pleasant moved 4.7%.
Density rank: Mount Pleasant places 16th among South Carolina's places by people per square mile.
Density vs South Carolina: Mount Pleasant's 1,918 people per square mile compare with a state median of 584.
Location: mapped by the US Census Bureau at 32.8084, -79.8650.
Nearest larger cities: Charleston (6 mi); North Charleston (14 mi); Savannah (95 mi); Columbia (104 mi). A branch is convenient; it is not what sets your APR.
Smaller towns nearby: Sullivan's Island (3 mi); James Island (7 mi); Isle of Palms (7 mi).
Smaller places within 50 miles: 30 of them.
Larger places within 100 miles: 3.

What shapes a Mount Pleasant personal loan

Mount Pleasant is a mid-sized city of about 95,232 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Mount Pleasant. The term you choose in Mount Pleasant decides the split between a comfortable payment and the total interest you pay.

What to do before borrowing in Mount Pleasant

Before you hand your details to a lender in Mount Pleasant, where the population is near 95,232:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Model the payment on the calculator before a lender models it for you.
Get several pre-qualifications and compare APR side by side before choosing.
Check the South Carolina regulator's records to confirm the lender is licensed here.
Keep the amount to the expense; an approval is not a reason to take more.
Write down the purpose of the loan and your repayment plan before you apply.
If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Mount Pleasant-specific: the same South Carolina licensing and disclosure rules reach all 95,232 residents.

Which South Carolina laws govern a loan in Mount Pleasant

For the roughly 95,232 residents of Mount Pleasant, the rules below are South Carolina's own; each row carries its publisher and retrieval date.

Rule	Detail	Source
State lending regulator	South 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
Payday lending status	Legal 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 licensing	Consumer 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

Mount Pleasant against the rest of South Carolina

Set beside South Carolina's 271 places, Mount Pleasant ranks 4th by population and holds about 4.8% of the state total. For population change between 2020 and 2023, Mount Pleasant ranks 64th of 271 in South Carolina (about the 76th percentile). By density, at about 1,918 people per square mile, it ranks 16th in South Carolina. Within 50 miles sit 30 smaller Census places, alongside the 2 that are larger.

Where Mount Pleasant sits

The Census Gazetteer records 49.7 square miles of land and 8.70 square miles of water within Mount Pleasant. That land carries about 1,918 people per square mile. For the state's biggest city, Charleston, the distance is roughly 6 miles. Mount Pleasant has 2 larger places within a 50-mile radius. The 100-mile radius contains 3 larger places.

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Common questions

What are my options in Mount Pleasant if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Mount Pleasant is the same as anywhere in South Carolina.

What loan size can I expect in Mount Pleasant?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Mount Pleasant?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Mount Pleasant cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Sullivan's Island, SC — population 1,922
James Island, SC — population 11,903
Charleston, SC — population 155,369
Isle of Palms, SC — population 4,370
Folly Beach, SC — population 2,083
Hanahan, SC — population 21,796
North Charleston, SC — population 121,469
Goose Creek, SC — population 49,249