Loans in Florence County, SC: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Florence County, SC.
The median household in Florence County earns $58,305 a year, 16% below the South Carolina median of $69,324. About 19% of residents live below the federal poverty line, and 35.5% of households rent their home. 12.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Florence County
Here's what to have on hand before you start your payday loan request in Florence County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Florence County
What Florence County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Florence County
Payday Loans Legal
Payday loans (deferred presentment services) are legal in South Carolina from lenders licensed by the State Board of Financial Institutions under Title 34, Chapter 39.
Personal Loans
No cap over $600 (filed and posted rates); Consumer Finance Act schedule up to $7,500.
Title Loans Legal
Title loans are legal in South Carolina.
Banks and credit unions in Florence County
Banks with branches in Florence County
38 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The Citizens Bank | 7 | 124 East Main Street, Olanta 29114 |
| SouthState Bank, National Association | 5 | 2021 Hoffmeyer Rd, Florence 29501 |
| First-Citizens Bank & Trust Company | 4 | 248 W Main St, Lake City 29560 |
| Carolina Bank & Trust Co. | 4 | 408 E Ashby Rd, Quinby 29506 |
| Anderson Brothers Bank | 4 | Georgetown Road And Pine Street, Johnsonville 29555 |
| Wells Fargo Bank, National Association | 3 | 408 S Irby St, Florence 29501 |
| First Reliance Bank | 2 | 2170 W Palmetto St, Florence 29501 |
| Truist Bank | 2 | 1831 W Evans St, Florence 29501 |
| Woodforest National Bank | 2 | 230 N Beltline Dr, Florence 29501 |
| TD Bank, National Association | 1 | 684 Pamplico Hwy, Florence 29505 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Florence County
17 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Pee Dee | 305 W Pine St, Florence 29501 |
| South Carolina | 2321 Trade Ct, Florence 29501 |
| Safe | 1319 2Nd Loop Rd, Florence 29505 |
| S. C. State | 1504 N Cashua Dr, Florence 29501 |
| Sharonview | 1921 W Palmetto St, Florence 29501 |
| Honda | 1111 Honda Way, Timmonsville 29161 |
| Carolina Trust | 133 W Main St, Lake City 29560 |
| Spc | 1312 Celebration Blvd, Florence 29501 |
| Nucor Employee'S | 1202 N Cashua Dr, Florence 29501 |
| Palmetto First | 1722 Gregg Ave, Florence 29501 |
| Dixies | 2257 S Irby St, Florence 29505 |
| S C I | 812 2Nd Loop Rd, Florence 29505 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Florence County
All South Carolina counties and cities
Frequently asked questions
Are payday loans legal in Florence County?
Florence County follows South Carolina law. Payday loans (deferred presentment services) are legal in South Carolina from lenders licensed by the State Board of Financial Institutions under Title 34, Chapter 39.
Are title loans legal in Florence County?
Title loans are legal in South Carolina.
Where can I get a small loan in Florence County?
Options include 38 bank and 17 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Florence County?
Fill out our short online form from anywhere in Florence County. We share it with lenders in our network that serve South Carolina; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Florence County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Florence County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Florence County?
Yes. When an unexpected bill comes up, Florence County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Where can I get a loan in Florence County, SC?
You can apply at banks, credit unions and lenders in Florence County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve South Carolina residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Florence County with bad credit?
Yes, many lenders in our network work with Florence County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.