Personal Loans in South Carolina

SET Financial connects South Carolina residents with third-party lenders. The lenders in our network make all loan and credit decisions.

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SET Financial is a lead-connection service for new loan requests, not the lender. Not everyone who applies will be matched or approved.

Connecting South Carolina Residents with Lenders

If you live in South Carolina and need an installment loan, SET Financial connects you with third-party lenders and lending networks that work with South Carolina residents, including people with bad credit or a thin credit history. For new requests SET Financial is not the lender: you share a few details once, and the lenders in our network review your request and set every rate, amount, and term.

An installment loan is repaid in scheduled monthly payments over a set term rather than in a single lump sum. South Carolina borrowers commonly use them for emergencies, car repairs, medical bills, or consolidating higher-cost debt.

How It Works

✓ Share a few details about what you're looking for
✓ We connect you with lenders in our network
✓ The lender reviews your request and any offer
✓ You decide whether to move forward with the lender
✓ SET Financial is never a party to your loan

Who the Network Works With in South Carolina

Bad credit

Lenders in the network weigh more than a credit score, so a low score does not automatically disqualify you.

Thin or no credit

Some network lenders work with borrowers who have little established credit history.

Self-employed or 1099 income

You can present non-traditional income; the lender decides what documentation it needs.

Fixed income

Steady Social Security or disability benefit income may be considered by lenders that accept it.

South Carolina Rates and Your Protections

In South Carolina, any lender that charges more than 18% APR must file a Maximum Rate Schedule with the South Carolina Department of Consumer Affairs and post it at its place of business. That filing states the highest APR the lender may charge, broken out by loan category.

Before you accept an offer, you can ask a lender for its filed maximum rate and confirm its license is active. The APR and total repayment amount printed on your own signed loan agreement are what actually govern your loan.

Regulator: South Carolina Department of Consumer Affairs.

South Carolina loan rates and rules →

Serving Borrowers Across South Carolina

The lender network works with residents statewide, including:

Columbia · Charleston · Greenville · Rock Hill · Mount Pleasant · Spartanburg · Summerville · Florence

Guides for Your Situation in South Carolina

Whatever your credit or income looks like, these cover what lenders review and how to check any offer.

Local Guides Across South Carolina

City guides with local energy-assistance contacts and how to verify a lender before you borrow.

License Documents

Download South Carolina-specific license documents, fee schedules, and loan agreements.

View South Carolina License Documents

Get Started in South Carolina

Common questions

Quick answers. For more, see our full FAQ page.

Can I get an installment loan in South Carolina with bad credit?

Possibly. SET Financial connects you with lenders that consider applicants across the credit spectrum. Approval, amount, and rate are decided by the lender, and not everyone will be matched or approved.

How much can I borrow in South Carolina?

Loan amounts are set by the lender you are matched with. Network offers for South Carolina installment loans commonly range from a few hundred dollars up to several thousand, depending on the lender and your situation.

What interest rate will I pay?

SET Financial does not set rates. In South Carolina, lenders charging over 18% APR file a Maximum Rate Schedule with the Department of Consumer Affairs. Your actual APR is disclosed by the lender on your loan agreement before you sign.

Does getting connected cost anything?

No. SET Financial does not charge you to be connected with lenders. Any loan costs are set and disclosed by the lender you choose to work with.

Is SET Financial the lender?

For new requests, no. SET Financial is a licensed South Carolina lender that services existing accounts and connects new applicants with third-party lenders who make all credit decisions.