Personal loans in Beaufort, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Beaufort, SC.
The median household in Beaufort earns $61,220 a year, 12% below the South Carolina median of $69,324. About 12% of residents live below the federal poverty line, and 38.5% of households rent their home.
South Carolina law that applies in Beaufort
| Rate cap | Supervised lenders: on cash advances over $600, any rate filed and posted with the Department of Consumer Affairs (no statutory maximum); on $600 or less, no more than the Consumer Finance Act charges. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Consumer Finance Act: loans of $7,500 or less. |
Full rules with statute citations: Personal Loans in South Carolina. Cities in South Carolina cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Beaufort
Here's what to have on hand before you start your personal loan request in Beaufort:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Beaufort
What Beaufort borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Beaufort
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Beaufort
17 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SouthState Bank, National Association | 2 | 1121 Boundary St, Beaufort 29902 |
| Regions Bank | 2 | 146 Sea Island Pkwy, Beaufort 29907 |
| First Federal Bank | 2 | 36 Sea Island Pkwy, Beaufort 29907 |
| Ameris Bank | 1 | 2348 Boundary St, Beaufort 29902 |
| Palmetto State Bank | 1 | 2347 Boundary St, Beaufort 29902 |
| Bank of America, National Association | 1 | 2115 Boundary St, Beaufort 29902 |
| Wells Fargo Bank, National Association | 1 | 148 Sea Island Pkwy, Beaufort 29907 |
| First-Citizens Bank & Trust Company | 1 | 921 Bay St, Beaufort 29902 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Beaufort
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Marine | 265 Sea Island Pkwy, Beaufort 29907 |
| Cpm | 3481 Trask Pkwy, Beaufort 29906 |
| Navy Federal Credit Union | 203 Robert Smalls Pkwy, Beaufort 29906 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Beaufort County · Payday Loans in Beaufort · Title Loans in Beaufort
Frequently asked questions
Can I get a personal loan with bad credit in Beaufort?
Possibly. Lenders in our network consider applicants with fair and bad credit across South Carolina, including Beaufort. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Beaufort, SC?
No cap over $600 (filed and posted rates); Consumer Finance Act schedule up to $7,500.
How fast can I get a personal loan in Beaufort?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How long does it take to get a personal loan in Beaufort?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Beaufort.
Where can I find a loan for bad credit in Beaufort?
You can apply at local banks and lenders in Beaufort, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How do installment loans work in Beaufort?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Beaufort residents can see installment loan offers with our free 3-minute form.
How can I get an emergency loan in Beaufort?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Can I get an emergency loan with bad credit in Beaufort?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Beaufort residents can see if they qualify in about 3 minutes.
Do I need to visit a store in Beaufort?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.