Beginning on May 1, 2026, Integra Credit Five, LLC will cease accepting applications for new lines of credit from Tennessee residents. On that date, Tennessee residents will be able to apply for Integra Credit branded installment loans made by Capital Community Bank, a Utah chartered bank, located in Provo, Utah, Member FDIC.
If you have an existing line of credit, your account will continue to be serviced under the terms outlined in your line of credit agreement and no further action is required on your part. Integra Credit Five, LLC may resume offering new Integra Credit branded lines of credit to Tennessee residents in the future, at which time this page will be updated accordingly.
The information below reflects the rates and terms offered by Capital Community Bank as of May 1, 2026
Integra Credit Rates and Terms in South Carolina
Actual rates and terms vary based on loan amount, discount usage, information provided in your application and a number of other factors. Please carefully review your loan agreement for the annual percentage rate (APR) and other terms applicable to your loan.
Personal Installment Loans
Loan Amount
$500 to $3,000
Loan Details (APR)
159% to 249%
Loan Duration
12 to 21 Months
For example, a $1,700 loan that is repayable in 19 monthly payments of $294.04 will have an APR of 187.4216%.
If a payment is not paid in full within ten (10) days after its scheduled due date, you will be charged a late fee of $15.
Compliance with South Carolina Regulations
More Information
Contact Integra Credit
Saturday: 9:00AM – 6:00PM CT
South Carolina snapshot
Based on the latest U.S. Census Bureau data, here’s an overview of South Carolina’s demographic and financial landscape:
- Population: 5.5 million
- Median age: 40.1 years
- Median household income: $66,818
- Homeownership rate: 71.4%
- Poverty rate: 13.9%
How do personal loans work in South Carolina?
Personal loans are a versatile financing option suitable for covering both unexpected costs and planned expenses. They are usually unsecured, meaning they don’t require collateral like property or vehicles.
Typically, personal loans in South Carolina feature fixed interest rates, which means your payments should remain consistent throughout the repayment term. You can apply through local banks, credit unions, online lenders, or licensed finance companies.
A personal loan can be used for various purposes, including emergency costs, debt consolidation, home repairs, medical bills, or one-off purchases.
Eligibility criteria, interest rates, loan amounts, and repayment terms depend on your individual financial circumstances and the lender’s specific policies.
Types of personal loans in South Carolina
In South Carolina, you have access to several types of personal loans, each catering to different financial needs:
- Unsecured personal loans: These loans require no collateral and are approved based on your credit history, income, and employment stability. They provide flexibility, making them ideal for covering unforeseen costs.
- Installment loans: Structured to be repaid through fixed monthly payments, installment loans help spread out significant expenses such as home renovations, vehicle repairs, or medical bills.
- Personal lines of credit: A line of credit allows you to access funds up to a set limit. Interest is charged only on the amount you borrow, and the available credit replenishes as repayments are made, making this option ideal for ongoing expenses or emergencies.
- Bad credit loans: Specifically designed for borrowers with lower credit scores, these loans consider factors beyond traditional credit scores, such as employment and income stability. Due to the increased perceived risk, interest rates on bad credit loans are typically higher.
- Online loans: These loans can be applied for and received online, offering a convenient, quick borrowing option. Online loans typically follow an installment loan structure, with approval often within one business day.
Benefits of personal loans
If you need to borrow money, a personal loan has several benefits, including:
- Consistent monthly payments: Fixed interest rates mean your repayments are predictable and manageable, making it easier to plan and budget.
- No collateral required: Most personal loans are unsecured, protecting your personal property from direct financial risk if you default.
- Quick access to funds: Online applications and fast approval processes mean you can often receive funds within one business day.
- Credit improvement: Responsible repayment of a personal loan can boost your credit score, meaning you could access better borrowing terms in the future.
- Flexible use: Personal loans can be used for virtually any financial need, from emergency home repairs and medical costs to consolidating debts and significant life events.
How to apply for a loan
Applying for a personal loan in South Carolina with Integra Credit is fast, secure, and entirely online. To start your application, you’ll need to provide the following information:
- Your full name, address, and Social Security Number
- Information about your income
- Your checking account details
Once your application is submitted, you’ll typically receive a conditional decision within minutes*.
If approved, we’ll show you the loan terms before you finalize your loan agreement. Funds are usually available by the next business day*.
Personal loans in South Carolina FAQs
What is the maximum loan amount available in South Carolina?
The maximum limit for a personal line of credit in South Carolina can vary significantly depending on the lender. Limits typically range from a few hundred dollars to $50,000, or even higher for secured loans.
Can I get a loan in South Carolina if I have bad credit?
Yes, having a lower credit score may not prevent you from getting a personal loan in South Carolina.
Many lenders look at factors beyond your credit score, such as income stability and employment history, to determine your eligibility.
However, loans for borrowers with poor credit typically have higher interest rates.
How long does it take to get a personal loan?
Loan approval times vary depending on the lender, the type of loan, and how quickly you provide the required information.
Check the time to receive a decision before applying. Some online lenders can provide a decision within minutes, while banks and credit unions may take one to three business days. Once approved, funds are often deposited within one to five business days.
Are there credit unions in South Carolina that offer loans?
Yes, South Carolina hosts more than 50 credit unions, many of which provide personal loans to their members. Credit unions typically offer competitive rates and terms due to their not-for-profit structure. Membership eligibility usually depends on factors such as geographic location, employer, or association with specific groups or organizations.
