Bad Credit Loans In South Carolina

Name: Acorn Finance Offers
Brand: Acorn Finance
Rating: 4.6 (1137 reviews)

Get personalized rates in 60 seconds for bad credit loans in South Carolina, without affecting your credit score.

Our customers say Excellent

4.6 out of 5 based on 1137 reviews

Our customers say Excellent

4.6 out of 5 based on 1137 reviews

Online Loans For Bad Credit In SC

Bad credit loans are a financial tool that provides a lump sum of cash to a borrower, which they then repay on a monthly basis until the loan is repaid in full. It’s not different from a traditional low APR personal loan in terms of how it works. However, it will likely have fees and higher rates. Furthermore, it can be harder to qualify for. Understandably so when you think of the lender’s perspective. When lending to a borrower with bad credit their risk increases which is reflected in the differences we reviewed above.

Example personal loans in South Carolina

9.99%³

APR

60 mos.

Loan term

$6,967

Loan amount

³Last updated on 03/21/2025. More than 10% of loans taken in the state of South Carolina have a lower APR than what is advertised here. You may have different rates and terms than what is being advertised.

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About LightStream

How do bad credit installment loans in South Carolina work?

If you're thinking about applying for a bad credit installment loan in Columbia, South Carolina, or elsewhere, you should know how they work first. Bad credit installment loans are funded as a lump sum that is to be repaid in equal installments with interest over a predetermined period. Things to be mindful of are the total loan costs, and the fact that the repayment period can heavily influence the total cost. Most installment loans in the form of a personal loan do not have prepayment penalties or spending restrictions.

What credit score is needed for a bad credit loan near me?

Each lender is different, and therefore, each lender has different requirements you'll need to meet to qualify for their bad credit loans. It can be hard to pinpoint exactly what the magic number is, but if you're struggling to get approved with a low credit score, try taking the steps to improve your credit score.

While the average credit score in South Carolina is 693, most lenders that Acorn Finance works with require a credit score of at least 600 to return offers.

How do you find an online bad credit loan near me?

Don't waste your valuable time searching through all of the personal loans for bad credit options. Work smarter, not harder, to compare your options by using Acorn Finance. We'll present you with personalized loan offers from several top-ranked national lending partners so you can compare what you are eligible for.

How to choose the best South Carolina personal loan for bad credit for you:

With so many financial institutions offering personal installment loans, navigating all the options can feel overwhelming. But we'll let you in on a secret — choosing the best one start with comparing offers.

At Acorn Finance you can receive personalized loan offers with no credit impact. Our network of financial partners are in the business of loaning money and want to find a way to offer you a loan, but first you'll need to give them the chance.

Beyond comparing offers, be sure you understand the finer details and how the offers actually differ. You can also consider that some lenders may offer more flexibility than others.

Other States with Bad Credit Loans

Other South Carolina Loan Options:

Find Banks Near Charleston, South Carolina

Check Offers for Bad Credit Loans in South Carolina

Online Loans For Bad Credit In SC: Personal Loan Calculator

HOW IT WORKS

Find the loan you're looking for

Table comparing monthly payments, APRs for approved personal loans.

See your options

Take a few minute to answer few questions, and we'll match you with the right range of lenders to consider

Choose your loan

Find your favorite marketplace of offers and apply directly with the lender you prefer

Do your project

If you're approved, use your funds to cover all your costs now, and pay the lender back month by month

We’ve helped over a million customers, and we’re just getting started

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You and your team did a great job with…

You and your team did a great job with our loan.

Robert Sweet, 2 days ago

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Simple process

Very simple online application process. They made getting a loan for an unexpected furnace purchase hassle free.

CS, 2 days ago

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The application was simple

The application was simple, timely and convenient

John Krasnowiecki, 4 days ago

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2nd bathroom and new siding underway

Easy online application and quick response time. Options for loan terms and money transfers in a timely manner. All things that helped us get our 2nd bathroom added and new siding for our home

Frederick WORKMAN, Jan 10

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Quick and easy.

John Sacoolidge, Jan 3

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No hassle Lender selection

No hassle at all it was easy to find and choose who you want for a lender based on available offers that were presented.

Jammie Petroski, Jan 3

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The process was positive and easy

The process was positive and easy. I will use again when needed.

Jeffery Patrick, Jan 1

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Working with Acorn was FAST!

Working with Acorn was a fast and easy online experience that resulted in a short term, lower interest rate option. The funds showed up on the date selected in my contract and the entire process went smoothly as they kept me up to date via email. I will certainly use Acorn again in the future for all of my home improvement projects, thanks! Billy Powell

Billy Powell, Dec 30

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Excellent & Easy

You gave me several loan options. I found a company I trusted. I applied for the loan. I received the loan. I received the money when I was told I would receive the money. Everything went smoothly. Thank you.

Edward A, Dec 29

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It was fast and easy

It was fast and easy. There was a lot of lender options. I had a question called you guys and he was very helpful. I would recommend you guys to everyone!

andrew, Dec 28

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My review

The experience was quite good.

Milton Sargent, Dec 27

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Incredible easy to work with

Margaret Lewis, Dec 27

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It was quick and easy just has you…

It was quick and easy just has you said. Thank you I appreciate it.

Alberta Battles, Dec 27

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Peace of mind when moving

Easy to understand and simple.

Mario, Dec 20

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The process was easy to do

The process was easy to do. You get results fast... They work with you.

Valued Customer, Dec 19

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The loan was successful

June Williams, Dec 16

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Excellent deliverance of funds

Excellent deliverance of funds, timely manner. Highly recommend.

Elizabeth Callava, Dec 14

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Quick and easy process

Bro Hugh, Dec 12

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Fast and easy everything went perfect

Fast and easy everything settled. We were so worried. It was very nice to have another outlet to go to for our major purchase on our septic tank. Thank you so much. We are very happy.

Dawn White, Dec 10

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the application process

The rear of the application process

Polly Davis, Dec 5

Rated 4.6 / 5 based on 1137 reviews.

Trustpilot

What can I do with a $10,000 personal loan?

A $10,000 personal loan has a number of uses, including (but not limited to):

Home improvement Buying a car Wedding costs

Debt consolidation Medical bills Startup business costs

FREQUENTLY ASKED QUESTIONS

Still have questions?

Find Bad Credit Loans in South Carolina at Acorn Finance

How to compare online loans for bad credit in South Carolina:

Having several options can be a great thing when it comes to your financial decisions. While you may have less options with bad credit, the internet can surely help you find more options than just what's available in your local area. To check offers online, visit Acorn Finance.

Visit Acornfinance.com
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Can you get a bad credit loan in South Carolina with no hard credit check?

Almost every bank or financial institution will require some sort of financial check to confirm you're eligible for a loan.

However there are some alternatives that may not require a credit check including, payday loans or vehicle title loans. Some lenders on the Acorn Finance platform may conduct a hard credit check, while others may not. Please review each lender’s terms and conditions carefully when selecting a loan.

Keep in mind that these loans are short-term and can have extremely high interest rates. Understand what these options entail without being blinded by the idea of accessing cash with no credit impact.

Is it possible to get a guaranteed personal loan for bad credit in South Carolina?

First let's start by clarifying what a guaranteed personal loan is, as it can be interpreted in many ways. Guaranteed loans are backed by a third-party. Examples of these loans are federal student loans, SBA loans, or mortgages. Third party backers can be individuals or organizations, meaning a co-signer can help you qualify for a guaranteed personal loan. At Acorn Finance you can check personal loan offers with a co-signer, which can constitute a step toward getting a guaranteed personal loan.

Are bad credit installment loans in South Carolina worth it?

Just like no two lenders are exactly the same, no two borrowers are the same. So, what's worth it to one person might not be the same for someone else. Getting a bad credit loan in South Carolina can be a valuable financial tool if you can borrow responsibly and use the money for a valid reason. More importantly, if you can repay the funds without suffering financially. Installment loans are often used for home improvement projects to satisfy wants and needs. Home improvement loans for bad credit may be more worth it than other types of loans. At Acorn Finance, our network of lenders specialize in home improvement loans that are unsecured.

Check Offers for Online Loans For Bad Credit In SC

One home, endless possibilities