Payday loans in Florence, SC
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Florence, SC.
The median household in Florence earns $56,143 a year, 19% below the South Carolina median of $69,324. About 19% of residents live below the federal poverty line, and 41.6% of households rent their home. 10.0% of households have no home internet; our form works on any phone. When an unexpected bill hits before payday, Florence residents can request $100 to $1,000 online in minutes.
South Carolina law that applies in Florence
| Maximum loan | No more than $550 advanced to you at one time, not counting the fee. |
|---|---|
| Fee cap | The fee may not exceed 15% of the principal and may be charged only once per agreement. |
| Rollovers | Not allowed. |
| Loans at once | One payday loan at a time, with any licensee. |
| Payment plan | Once every 12 months, if you cannot repay, you may choose an extended payment plan. |
Full rules with statute citations: Payday Loans in South Carolina. Cities in South Carolina cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Florence
Lenders that serve Florence typically ask for the following:
- 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
What Florence borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
How to get a payday loan in Florence
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve South Carolina.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
South Carolina does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Florence
29 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SouthState Bank, National Association | 4 | 2021 Hoffmeyer Rd, Florence 29501 |
| Wells Fargo Bank, National Association | 3 | 408 S Irby St, Florence 29501 |
| First-Citizens Bank & Trust Company | 3 | 276 S Irby St, Florence 29501 |
| Carolina Bank & Trust Co. | 3 | 3037 W Palmetto St, Florence 29501 |
| Anderson Brothers Bank | 3 | 501 2nd Loop Rd, Florence 29505 |
| First Reliance Bank | 2 | 2170 W Palmetto St, Florence 29501 |
| Truist Bank | 2 | 1831 W Evans St, Florence 29501 |
| The Citizens Bank | 2 | 702 Pamplico Hwy, Florence 29505 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Florence
14 credit-union locations from 11 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 |
| 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.
Nearby cities
County: Florence County · Personal Loans in Florence · Title Loans in Florence
Frequently asked questions
Can I get a payday loan in Florence, SC?
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. You can request one online from Florence through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Florence?
No more than $550 advanced to you at one time, not counting the fee.
How fast can I get a payday loan in Florence?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Florence residents can see their options with our 3-minute form.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Florence? Our form takes about 3 minutes.
Where can I get a payday loan in Florence?
You can visit a storefront in Florence or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Florence residents can see if they qualify in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Florence residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in Florence?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.