Best Personal Loan Rates in Ridge Spring, South Carolina -
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Ridge Spring, South Carolina include: Columbia Post Office Credit UnionColumbia Post Office Credit UnionA+5.0 ★Texas Ratio: 0.48% offering SIGNATURE LOANS at 5.00% APR, Self Memorial Hospital Federal Credit UnionSelf Memorial Hospital Federal Credit UnionA+5.0 ★Texas Ratio: 4.16% offering Credit Builder Loan at 5.10% APR, Woodruff Federal S&LWoodruff Federal S&LA+5.0 ★Texas Ratio: 1.56% offering 10 year Loan at 5.50% APR, Self-Help Credit UnionSelf-Help Credit UnionA5.0 ★Texas Ratio: 6.49% offering Energy Saver Loans at 5.75% APR, and Market USA Federal Credit UnionMarket USA Federal Credit UnionA5.0 ★Texas Ratio: 5.99% offering Summer Loan Rate at 5.99% APR. Personal loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Ridge Spring borrowers have access to 30 lenders serving the South Carolina area, with personal loan rates as low as 5.00% APR from Columbia Post Office Credit Union. 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 Ridge Spring, South Carolina.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Ridge Spring, 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: July 16, 2026
Ridge Spring Personal Loan Rates
Credit Score of 750; $7,500 Maximum
Minimum secured by Share Account. All rates (APR) are as low as
10% down payment
No additional details available.
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LTV: Up to 70%
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LTV: 71% to 80%
60 months as low as 7.00%
70% of Selling Price
No additional details available.
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As Low As; Rates as low as 7.49% APR.
LTV: 81% to 90%
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120 months as low as 7.50%
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$14,999
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As Low As; Click Here
No additional details available.
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No Terms
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No additional details available.
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Rates subject to change. Please call for quote. Additional discounts may be available.
No additional details available.
Vacation Loan Disclosure
$5,000.00; Co-Maker Loan Disclosure
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$15,000 - $25,000
No additional details available.
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As Low As; Up to $2,500
As low as 9.90%; Rate Range 9.90% to 18.00%
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No additional details available.
No additional details available.
Credit Score 0f 675 - 749; $7,500 Maximum
All rates (APR) are as low as
As Low As
All rates (APR) are as low as
80% LTV
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As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
As Low As; Fixed Rate
No additional details available.
As Low As
Promotional APR (fixed): N/A. Regular APR: 10.75%*. The Visa Signature card has a variable rate based on the Prime Rate as reported by the Wall Street Journal, plus 4% APR. As of 12/11/2025, the Prime Rate was 6.75%. Accordingly, the current APR for a Visa Signature card from State Credit Union is 10.75%. Rates adjust at the next monthly statement if there is a change in the Prime Rate. The minimum credit limit for the Visa Signature card is $5,000 and may be subject to income verification.
Promotional APR (fixed): N/A. Regular APR: 10.9%
Rates range from 10.90% - 17.90% APR. Loan amounts available up to $15,000. Loan terms are dependent on amount borrowed, and range from 6 months to 60 months. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.
Rates starting at
No additional details available.
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As Low As
As low as 10.99% APR*
As low as
As Low As
No additional details available.
No additional details available.
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No Credit History
As Low As
quarterly variable *12. *1 Annual Percentage Rate (APR) is subject to credit approval and can change without notice. *12 The Annual Percentage Rate can change on a quarterly basis. The rate is determined by using an independent Index-the Wall Street Journal Prime Rate (when a range of rates has been published, the highest rate will be used)-rounded up to the next even quarter percent, and to the Index is added a margin of 7.99% points. The Index used will be the Prime Rate as of the 15th day of January, April, July, and October; and your rate can change with each monthly statement cut-off in March, June, September and December.
No additional details available.
As Low As
No additional details available.
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No additional details available.
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Must have 10 Co-Makers; $15,000 Maximum
Credit Score of 630 - 674; $7,500 Maximum
Promotional APR (fixed): N/A. Regular APR: 15.9%
No additional details available.
Promotional APR (fixed): N/A. Regular APR: 17.9%
No additional details available.
No additional details available.
Credit Score of 580 - 629; $7,500 Maximum
No additional details available.
Ridge Spring Personal Loan Rates
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As Low As; Rates as low as 7.49% APR.
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No additional details available.
As Low As; Click Here
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No Terms
As Low As; *
No additional details available.
As Low As; *
Rates subject to change. Please call for quote. Additional discounts may be available.
No additional details available.
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No additional details available.
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As low as 9.90%; Rate Range 9.90% to 18.00%
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As Low As; *
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
As Low As; Rates subject to change. Please call for quote. Additional discounts may be available.
Rates starting at
Rates range from 10.90% - 17.90% APR. Loan amounts available up to $15,000. Loan terms are dependent on amount borrowed, and range from 6 months to 60 months. Rates quoted assume excellent borrower credit history. Not all applicants will qualify for the lowest rate.
As Low As
As Low As
As low as 10.99% APR*
As low as
No additional details available.
No additional details available.
As Low As
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Ridge Spring Debt Consolidation Loan Rates
All rates (APR) are as low as
Ridge Spring Signature Loan Rates
Credit Score of 750; $7,500 Maximum
As Low As; Up to $2,500
All rates (APR) are as low as
Credit Score 0f 675 - 749; $7,500 Maximum
As Low As; Fixed Rate
Promotional APR (fixed): N/A. Regular APR: 10.75%*. The Visa Signature card has a variable rate based on the Prime Rate as reported by the Wall Street Journal, plus 4% APR. As of 12/11/2025, the Prime Rate was 6.75%. Accordingly, the current APR for a Visa Signature card from State Credit Union is 10.75%. Rates adjust at the next monthly statement if there is a change in the Prime Rate. The minimum credit limit for the Visa Signature card is $5,000 and may be subject to income verification.
No additional details available.
No additional details available.
Credit Score of 630 - 674; $7,500 Maximum
No additional details available.
Credit Score of 580 - 629; $7,500 Maximum
Ridge Spring, SC Personal Loan Rate Trends
Compare local Ridge Spring, 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.
South Carolina personal loan rates rose 0.498 points over the past 7 days to 10.880% APR.
South Carolina signature loan rates fell 0.130 points over the past 7 days to 11.643% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ridge Spring, South Carolina personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Ridge Spring, South Carolina directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Ridge Spring, South Carolina. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in SC.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in South Carolina?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in South Carolina?
Are credit unions or banks better for personal loans in Ridge Spring, South Carolina?
What are the best personal loan rates in Ridge Spring, South Carolina?
- Columbia Post Office Credit Union: 5.00% (SIGNATURE LOANS)
- Self Memorial Hospital Federal Credit Union: 5.10% (Credit Builder Loan)
- Woodruff Federal S&L: 5.50% (10 year Loan)
- Self-Help Credit Union: 5.75% (Energy Saver Loans)
- Market USA Federal Credit Union: 5.99% (Summer Loan Rate)
Ridge Spring, South Carolina Rates & Resources
Personal Loan Calculators
