From $200 and up, with a fixed rate and a fixed monthly payment you can plan around — and a branch manager in your town who picks up the phone.
Our staff is committed to providing a fast, easy personal loan that meets your current needs. Find your local branch and apply today, or start the form on this page and we'll route you to the right team.
Start My ApplicationThere's no set score you have to hit. We weigh your income, your housing cost, and your debt-to-income ratio to find something that works.
Apply from home in about a minute, or walk into any of our 13 South Carolina branches and sit down with a manager in person.
Every one of our branch managers has ten or more years of experience, and our leadership team has over a century of it combined.
Borrow exactly what you need, not more. Terms run 6 to 48 months so you can size the payment to your budget.
We're headquartered in Greenwood with 13 branches statewide. Your application is reviewed by the manager at your nearest branch, not a call center.
Your interest rate never changes and neither does your payment. You know the exact number of payments the day you sign.
Approval and funding timing vary with your application and any verification we need. Our process provides notice of approval or rejection within 30 days.
Every manager brings a decade or more, and our leadership team has over a century of combined lending experience.
If you're juggling credit cards and variable-rate balances, rolling them into a single fixed personal loan payment can make the whole month feel manageable again.
Car repairs, medical bills, and emergency expenses rarely arrive at a convenient time. You'll receive your funds in one lump sum, then pay them back on a fixed schedule.
We care about each other, our customers, and our communities — and we provide year-round support for families when they need it.
Your rate and your monthly payment never change. You'll know the exact number of payments and the total cost before you sign anything.
We're regulated by the South Carolina Board of Financial Institutions and a member of the Independent Consumer Finance Association of South Carolina.
Borrow only what you actually need. Repayment periods run from 6 to 48 months so the payment fits the room in your budget.
Rather than taking our word for it, consider the experiences shared by our satisfied clients.
“Super helpful and professional!! Definitely recommend them!”
S.W.Google review
From small loans to large loans, we're the loan specialists who will get you what you need. Pay off debt, consolidate credit cards, plan a dream vacation — whatever your personal loan needs, we're here to help.
We're here to help you get started on the path to your next chapter. Applications can be completed online or at any of our local branches.
Use the form on this page or call the number at the top of this site. Amount, purpose, and your nearest branch — about a minute of your time.
A branch manager reviews your request and calls you back. Bring basic details like your income and what you pay for housing, and we'll do the rest.
Review your fixed rate and monthly payment, sign, and receive your funds in one lump sum. Then get back to the things that actually matter.
Prefer to talk first? Call 864-854-8575 — we're open 8:30am to 5:30pm.
A personal loan is a short- to medium-term loan for planned and unexpected expenses alike. You receive the funds in one lump sum and pay it back in fixed monthly payments.
We're headquartered in Greenwood with locations throughout the state to serve our customers better. Every branch is open 8:30am to 5:30pm. Select a city to see that branch's address, manager, and hours.
We serve customers across the whole state. Apply online and we'll connect you with the closest branch.
Bills, emergency expenses, dream vacations, home upgrades, and debt consolidation plans can all leave you scrambling for cash. Funding options like personal loans and short-term loans help you manage these expenses with a set monthly payment you can plan around. Summit Financial Services of South Carolina provides friendly service and local knowledge in Greenwood and across South Carolina, and every branch is dedicated to helping customers find the best loan for their situation.
Summit Financial Services of South Carolina is a top-rated financial services company that provides personal loans in South Carolina and surrounding areas from $200 and up. We provide personal loan services to customers for all their needs, and our team is dedicated to providing you with the loan you need. A local loan servicer can offer flexibility and support in finding a loan that fits your situation, and our branches are dedicated to helping our customers find the best loan for theirs.
Personal loans have fixed rates, which means the interest rate doesn't change throughout the loan term. They also have fixed payment terms, so you'll know exactly how many payments you need to make and over how many months to pay off the balance. If you're managing multiple payments — especially variable-rate debts like credit cards — consolidating into a single fixed personal loan payment can feel far more manageable.
Personal loans can help when you need to pay for a large expense you can't cover all at once, such as a car repair bill, a home improvement project, or a family trip. They're also a straightforward way to consolidate multiple loans or credit card balances so you only track one payment each month. Common reasons our South Carolina customers borrow include:
Whether you need help with medical emergencies, debt consolidation, vacations, or home improvement projects, Summit Financial Services of South Carolina has a solution to help you navigate life's situations. If you need a personal loan, don't hesitate to contact us — our team will work with you to get a loan that meets your specific needs.
Short-term loans can act as a cash advance that lets you cover bills or emergency expenses. While personal loans can be a great option in these situations, make sure you understand the interest rate and how much interest you'll pay over the life of the loan. Paying interest can be worth it in some cases, but it can significantly increase the total cost of a discretionary purchase. Summit Financial Services of South Carolina is here as a local resource to help you compare personal loan and short-term loan options honestly.
At Summit Financial Services of South Carolina, we pride ourselves on providing exceptional loan services to every customer. Our experienced team is here to help you secure a personal loan as quickly as possible so you can have money when you need it most. We can provide loans for as little as $200, each of our managers has 10+ years of experience helping families with their financial needs, and we have over 100 years of combined experience across our leadership team.
At Summit Financial Services of South Carolina, we care about each other, our customers, and our communities. We put our best foot forward to provide top-notch loan services to every customer who walks through our door or contacts us via phone or email, and we make it our mission to always treat our team, customers, and community with the utmost respect.
If you're considering a personal loan in Greenwood, Greenville, Columbia, Spartanburg, Anderson, or anywhere else in South Carolina, Summit Finance is here to help. We're committed to supporting our community in accessing the loan funding they need. Start your request or call 864-854-8575 to discuss your options today.
Approval and funding timing vary with your application and any verification we need to complete. Our application process provides notice of approval or rejection within 30 days. Applying online through the form on this page puts your request in front of a branch manager directly.
While higher scores help you qualify for better interest rates, there is no set minimum. Your loan application will also consider factors like your debt-to-income ratio. Summit Finance will help you determine what loans you might qualify for.
You'll need to provide information like your name and address, your income, the amount you pay for housing, and how you're planning to use the loan funds. Depending on your situation, you may need to provide additional documents to confirm this information.
Yes. Summit Finance accepts loan applications both online and in all 13 of our South Carolina branches. Use the step-by-step form on this page to get started in about a minute.
We provide personalized loans for every purpose from $200 and up. Repayment periods range from 6 to 48 months, so you can match the monthly payment to your budget.
The form on this page is an inquiry rather than a completed loan application. Your branch manager will walk you through every next step — including anything that requires a credit check — before it happens.
We offer personal and short-term installment loans that can serve a similar purpose, but we do not offer loans that require full repayment in 60 days or less from the date of issuance.
Still have questions? Read all FAQs
A personal loan gives you fast access to the cash you need, with fixed rates and flexible terms. Whether you're consolidating debt, covering an emergency expense, or making a big purchase, you'll enjoy predictable monthly payments and peace of mind.
Short-Term Loan Disclosure: We do not offer loans that require full repayment in 60 days or less from the date of issuance. All loans are subject to approval. Rates and terms vary based on creditworthiness and other factors. Payment estimates shown on this page are illustrative only and are not an offer of credit.