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Best Bad-Credit Loan Lenders in South Carolina

MoneyGeek's study of bad-credit loans in South Carolina looked at a ton of factors. These included credit score requirements, APRs, loan amounts and more. This helped us determine the top lenders for South Carolinians with bad credit.

Upstart is South Carolina's best bad-credit lender, as scores aren't its biggest worry. Upgrade came in a close second.

Best Overall Bad-Credit Loan in South Carolina: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in South Carolina: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in South Carolina for You

The average personal loan debt in South Carolina is $13,925. Even if your own debts or cash needed are lower, you should review all loan options before applying.

When thinking about bad-credit loans, MoneyGeek recommends taking the following steps.


Ask Yourself the Important Questions

Before applying for loans, look at your financial situation and budget. These questions can help you find the right lender for you.

  • How much money do you need?
  • What’s your credit score?
  • Can you afford the monthly payments?
  • Do you have debts?
  • Do you have options other than a new loan?

Do Your Research

MoneyGeek's research may be informative, but we recommend doing your own research. Our recommendations may not fit all your needs.

After answering the questions above, search for lenders whose options fit your responses.


Read the Fine Print

Lenders often focus on the best things in marketing, sticking the details in the fine print. Read the terms and agreement line by line to see what fees and other surprises may await you otherwise.



MoneyGeek recommends waiting a few days before submitting a loan application. Make sure getting a bad-credit loan is the right path for you. If you think it is, you could also check the lender's reputation for customer service during this time.



Submit an application and wait for the lender to review it. They typically double-check your identity, financial situation, employment history and other relevant details.

What to Do if You Can’t Get a Bad-Credit Loan in South Carolina

Personal loan providers in South Carolina can reject applications for many reasons. These include an incomplete application, inconsistent employment history or a high debt-to-income ratio.

If your bad-credit loan gets turned down, you don't have to give up. Getting in touch with the lender to find out what happened is the first step. If you can figure out what caused the problem, you may be able to solve it or work out a solution with the lender.

If that doesn't work, it's best to fix the problem before applying for a bad-credit loan. The problem hasn't disappeared, and you may get rejected again.

Even if you're getting desperate, MoneyGeek also recommends avoiding payday loans. These loans tend to destroy credit via high APRs and short repayment terms.

Calculate Your Monthly Payment

Before applying for a bad-credit loan, use MoneyGeek's personal loan calculator. Just answer a few questions to get a good idea of what you could pay for your loan each month.



+ $114.98


+ $8.33

Origination Fee Percentage


Origination Fee Fixed amount


Total monthly payment


FAQs About Bad-Credit Loans in South Carolina

Do you still have questions about bad-credit loans in South Carolina? MoneyGeek answers some of the most frequently asked questions here.


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MoneyGeek's study of over 30 personal loan companies rated them using 35 data points. We looked into flexibility, transparency, lender customer support, affordability, accessibility and consumer friendliness.

We then drilled down into the details with the most weight. These include loan amounts, fees, credit requirements, APRs, income requirements and disbursement time.

MoneyGeek values your needs as a whole person. So, we also checked on reputation, customer service and ease of use. We went as narrow as prequalification, autopay options and even app availability.

We base our final decisions on generalities. You should still do your own research before applying for a loan in South Carolina. However, this MoneyGeek list could be a great place to start.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.