Best Credit Builder Loans in South Carolina

Published: 1 February 2024

Author: Noah Gomez 

Finding the right credit builder loan takes time and effort, and sometimes local institutions offer better terms than national offers. In South Carolina, we looked at over 35 banks, credit union, and online providers to find the most cost-effective and quality options in the market.

Best Overall

Carolina Trust Federal Credit Union

Avg. Principal: $750
Avg. APR: 12%
Avg. Length: 9 months

Carolina Trust FCU's 12% APR (21.51% interest) credit-builder is available for periods as short as 6 months, and at a principal of $500 — $1,000, it meets the needs of most consumers across 5 South Carolina counties, unlike other SC Credit Unions.

Best from Bank (Physical)

Community Works South Carolina

Avg. Principal: $900
Avg. APR: 2%
Avg. Length: 12 months

Best from Credit Union

Carolina Trust Federal Credit Union

Avg. Principal: $750
Avg. APR: 12%
Avg. Length: 9 months

Best from Digital Lender

Build (aka "GetBuild")

Avg. Principal: $1,092
Avg. APR: 15.81%
Avg. Length: 18 months

Best South Carolina-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in South Carolina

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