Straight answers about applying, qualifying, rates, and repayment — and a branch manager on the phone if your question is not here.
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. Your local team reviews every application individually and will tell you what they still need from you.
Yes. Borrowing is made as convenient as possible with an online application. You can apply from home through our website or come to our office to talk face-to-face with a member of our team.
Documents required to obtain a personal loan include a government-issued ID, recent pay stubs, and a recent bank statement or utility bill to verify your address.
You will also need to provide information like your name and address, your income, the amount you pay for housing, and how you are planning to use the loan funds. Depending on your situation, you may need to provide additional documents to confirm this information.
Whichever branch you select on the application form. If you are not sure which one is closest, pick the nearest city and we will route your request to the right team.
Summit Financial Services of South Carolina looks at more than your credit score. While higher scores help you qualify for better interest rates, there is no set minimum. We evaluate your overall financial picture, including your income and stability, and factors like your debt-to-income ratio.
Reviewing your application involves a credit check, and credit checks can affect your credit score. Your branch manager can explain what to expect before anything is submitted.
No. We provide personal installment loans that are repaid in fixed monthly payments over a set term. We do not offer loans that require full repayment in 60 days or less from the date of issuance.
Our loans start at $200 and go up from there. The amount you are offered depends on the information we review during your application and the terms available to you.
Repayment periods run from 6 to 48 months and the maximum Annual Percentage Rate (APR) is 99.9%. Rates and terms vary based on creditworthiness and other factors.
Representative example: borrowing $10,000 over 24 months at a 20% APR will result in a monthly payment of $507. Total repayment amount: $12,168. This includes all applicable fees and interest.
No. Personal loans have fixed rates, which means the interest rate does not change throughout the loan term, and fixed payment terms, so you know exactly how many payments you need to make.
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.
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.