A personal loan is a straightforward way to get the money you need now and pay it back over time, with a fixed rate and a payment that does not change.
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.
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.
Combine several balances — credit cards, store cards, other loans — into one fixed monthly payment. If you are managing multiple variable-rate debts, a single scheduled payment is easier to plan around.
Start My ApplicationCover deductibles, procedures, and the bills that arrive after the fact, including unexpected veterinary costs. Spread the expense over a set number of payments instead of draining savings.
Start My ApplicationTransmission work, new tires, or a repair bill you did not plan for. A personal loan gets you back on the road without putting the cost on a credit card.
Start My ApplicationRoof and HVAC repairs, appliance replacement, or an improvement project you have been putting off. Borrow the lump sum you need and repay it on a fixed schedule.
Start My ApplicationA family trip, a wedding you need to travel for, or the vacation you have been saving toward. Because this is a discretionary expense, compare the total repayment amount before you borrow.
Start My ApplicationWeddings, graduations, and family milestones. Your branch manager can walk through what the monthly payment looks like at different amounts and terms before you commit.
Start My ApplicationWhen you are already working hard to support your household, predictability is essential. One of the biggest benefits of getting a personal loan with Summit Finance is the stability of fixed rates and repayment terms.
A structured installment plan allows your payments to remain steady throughout the life of the loan. This means that there are no surprises, like hidden fees or rate hikes, that will catch you off guard.
Instead of juggling multiple high-interest bills or covering an unexpected home repair with cash, a personal loan gives you lump-sum funding you can use where it is needed most. Local borrowers frequently turn to Summit Finance to help meet a range of loan needs.
If you are on the fence about getting a personal loan, it may be beneficial to look at the bigger picture.
Borrowing increases the total cost of an expense because interest and other applicable charges may be paid over time. For nonessential purchases, compare the total repayment amount with other payment options before deciding whether borrowing fits your budget.
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.