Kingstree at a glance
- Population: about 3,072 residents, ranking 89th of 271 Census places in South Carolina (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 3,248 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 5.4% below the 2020 Census base (US Census Bureau).
- Rank among South Carolina places: 89th of 271 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 67% of the places in South Carolina (US Census Bureau).
- Coordinates: 33.6672 latitude, -79.8287 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Lake City, SC (15 mi); Manning, SC (22 mi); Moncks Corner, SC (34 mi); Florence, SC (35 mi); Georgetown, SC (38 mi) (US Census Bureau).
- Smaller places close by: Lane, SC (10 mi); Greeleyville, SC (11 mi); Scranton, SC (18 mi) (US Census Bureau).
What a personal loan costs in Kingstree
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
South Carolina lending rules that apply in Kingstree
The South Carolina rate caps and licensing rules that reach Kingstree are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 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 |
How to compare offers in Kingstree
A few practical steps will make the process in Kingstree less costly:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in South Carolina using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.