Personal Loans

Take the first step.

Apply for Your Personal Loan Today! How much do you need?
$300$700$1000Other

Personal Installment Loans up to $3,000

From a Direct & Local South Carolina Lender That Cares

First things first. We believe it’s important for you to know who we are and what makes us different… because Community Credit isn’t like other loan companies. We understand that life happens. We’re here to help you deal with whatever life throws your way. We help you get back on track.

Community Credit...

  • is locally owned and operated, with 8 convenient locations right here in South Carolina.
  • makes lending decisions based on your ability to repay a loan by verifying your income source and stability.
  • won’t disqualify you based on your credit score.
  • offers starter loans as low as $300.
  • reports your loan payments to the credit bureau so your timely payments can help build/rebuild your credit score.
  • offers flexible, convenient repayment plans and automatic payments, making the repayment process quick and easy for you.
  • is not a hard money lender, meaning we base your loan on your ability to repay, not on the value of your collateral.

Other Loan Companies...

  • aren’t usually locally owned, and are often branches of large corporations.
  • don’t always make lending decisions based on your ability to repay a loan.
  • may disqualify you based on a poor credit score.
  • don’t always offer low starter loan amounts.
  • don’t always report loan payments to the credit bureau, so your timely payments won’t improve your credit score.
  • don’t offer automatic payment plans, often causing late payments and unnecessary fees and credit delinquencies.
  • can be hard money lenders, which means they base your loan solely on the value of your collateral and will seize your property (car, etc.) if you don’t repay your loan.

Ready to Apply? Get Started Today.

Start our quick and easy application process. Just fill out an online pre-application information form, and one of our customer service representatives will contact you with the next steps!

Apply Now

Community Credit Personal Installment Loans Can Help You With...

Unexpected Expenses

Vacations

Back to School Expenses

Holiday Gifts

Travel Expenses

Pay Taxes

Medical Bills

Home Bills & Repairs

Auto Repairs

...And So Much More

Community Credit in Greenville is a pleasure to do business with. I would highly recommend giving them a shot. Very easy to communicate with and they do whatever they can to get you approved.

James A.

Great place to get a loan to build credit... I have always had great customer service from all the representatives there. The process is quick and easy.

Shacona C.

I am so thankful for you guys. You have really helped me out in my time of need over and over. Thank you from the bottom of my heart.

Bertha C.

Addi was really nice and very knowledgeable. It was a pleasure doing business with her at Community Credit. You guys really helped me out of a jam.

David H.

Karl always works with me. Nice to have a place that treats you with respect and understanding.

J. Hawkins

How to Apply for a Personal Loan

Quick & Easy Process | Get a Decision in Hours!

1. Fill out Loan Pre-Application Information Form

Our loan pre-application information form is located right here on our website. It should only take you a moment to fill out. Don’t worry–this loan pre-application form will NOT impact your credit score.

2. Connect with a customer service rep

Once we receive your pre-application information form, you’ll hear from one of your friendly customer service representatives.

3. Submit formal loan application

We’ll ask you for some information about your income, residence, and existing loan obligations. We’ll use this information to make a decision about your loan.

4. Verify information as necessary

We may ask you to verify information on your loan application by providing supporting materials. The whole process, including verification, usually only takes a few hours!

Frequently Asked Questions

What do I need to provide to get a loan?

Every customer must have a verifiable source of income, verifiable residence, direct deposit, a South Carolina Driver’s License or Government ID, and a social security card.

How do I qualify for a loan?

Every situation is unique. We consider your source of income, the stability of your income, other loan obligations you may have, and your history in repaying previous loans. We consider any life circumstances that may have impacted your previous credit problems or lack of credit history.

At Community Credit, we make every attempt to, “say yes, safely.” This means that we don’t make decisions based solely on your credit score. We look at the whole picture, while also making sure that borrowing from us won’t hurt your financial future.

Do you report to the credit bureau?

Yes. We look at your credit report while processing your loan application, but it’s not the only factor in our lending decision. We also report your loan payments to the credit bureau, so timely payments help you build or rebuild your credit.

What if I have "bad credit"?

Every situation is unique. We realize that life happens. Nearly every one of our customers has an impaired credit history. We look at the entire picture — your ability and willingness to repay the loan and the circumstances surrounding previous credit problems. We are here to give good people second chances.

How much can I borrow?

In general, our loan amounts range from $300 to $3,000. The amount you can borrow depends on your income, existing loan level, credit history, and use of proceeds. In many cases, we will lend a certain amount and once you have shown the ability and willingness to repay the initial amount, we will increase your line of credit, helping to build your credit report and credit score.

How do I repay my loan?

Community Credit offers a unique repayment plan that is structured around your pay schedule. Payments are automatically drafted from your debit card on the payday immediately before the loan’s monthly due date. This structured repayment plan avoids late payments, credit delinquencies, and unnecessary late fees.

How does Community Credit help me build/rebuild my credit score?

All Community Credit loans are installment loans payable monthly. Each repayment schedule is fixed, so you’ll know up front the number of payments necessary to repay your loan in full.

Our unique repayment plan helps you avoid late payments and unnecessary late fees. Making on-time payments can increase your credit score. On-time payments also enable you to increase your line of credit which can also help raise your credit score.

Do you make Starter Loans?

Yes. Community Credit has a starter loan program for individuals without a credit history. Typically, these loans are for smaller amounts and may require a co-signer. Starter loans allow for the customer’s credit line to grow over time with on-time payments.

Apply for Your Personal Loan Today

Start our quick and easy application process. Just fill out an online pre-application information form, and one of our customer service representatives will contact you with the next steps!

Apply Now