Payday Loans in Florence, South Carolina
Apply online in minutes, from your phone.
- 5-minute request, fast lender decision
- Soft credit check to prequalify
- Same-day funding available on weekday approvals
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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How to Apply from Florence with 1F Cash Advance
Fill out the online form
The application is open 24/7 and takes about five minutes.
Get a decision
We check your details and pass them to lenders licensed in South Carolina, usually within the hour during business hours.
Receive the funds
Approved funds go straight to your bank account. Same-day cutoff: 12:30 pm local time.*
*Same-day deposits are not available to all customers. Applications finalized after the cutoff or on weekends and bank holidays fund on the next business day. Approval is not guaranteed and depends on verification of your income and application details.
Loan Products Available in Florence
Payday Loans
A small advance against a personal check you write today. The lender holds the check until the date in your agreement, and you repay the full amount in one payment. It is built for a short gap between paychecks.
Installment Loans
A larger loan you pay back in monthly payments, not all at once. It is usually unsecured and has a set end date. If you need a bigger amount or more time, this is often cheaper than a payday loan.
What You Need to Qualify
- Government-issued photo ID
- Social Security number
- Active checking account with a routing number
- Recent pay stub or other proof of income
- Proof of your South Carolina address
- Working phone number and email
- Age 18 or older
How 1F Cash Advance Works
1F Cash Advance is a loan connector and financial marketplace, not a direct lender. We do not fund loans, approve applications or set rates. We take one request and match it to lenders licensed in South Carolina and allowed to operate there.
- You submit one request. A single online form, free to use, with a soft check that does not affect your credit score.
- We route it to licensed lenders. Your details go to lenders authorized to operate in South Carolina, not to a single desk.
- The lender decides. If one makes an offer, that lender (not 1F Cash Advance) approves it, sets the rate and fee within state law, and funds the loan to your bank account.
Because the lender sets the terms, always read the rate and total cost in the offer before you accept.
Where to Get Payday Loan Florence
Can You Get a Payday Loan in Florence?
Yes. South Carolina allows one payday advance at a time, capped at $550 before the fee. The fee tops out at 15% of the amount advanced, the term runs no longer than 31 days, and a two-week loan prices near 391% APR.
Florence County income grew in each year after 2020 but still ended 2024 some $11,187 under the state median. On a budget below the state’s typical household, paying the whole balance on one date is the hard part, so if that date already looks tight, ask for the extended payment plan before it arrives, not after.
Borrowing and Debt in Florence: What the Numbers Show
Max advance
One advance at a time, capped by statute, with the fee charged on top of that amount
Source: S.C. Code Title 34, Chapter 39
Charged once
The percentage fee can be charged only one time for each written loan agreement
Source: S.C. Code Title 34, Chapter 39
Triple-digit
The APR a two-week loan reaches at the state's maximum fee, whatever your income
Source: S.C. Code Title 34, Chapter 39
$61,320
Median household income in Florence County in 2024, the most recent year of county data shown below
$11,187 below
How far Florence County sat under the South Carolina median in 2024
Next-day cancel
You can cancel a new loan at no cost by the close of the following business day
Source: S.C. Code Title 34, Chapter 39
Florence County median household income and South Carolina household debt, 2020 to 2024
| Year | Median income | South Carolina debt per person | After housing |
|---|---|---|---|
| 2020 | $47,429 | $46,950 | $2,767 |
| 2021 | $52,062 | $49,630 | $3,037 |
| 2022 | $52,650 | $53,410 | $3,071 |
| 2023 | $56,144 | $55,610 | $3,275 |
| 2024 | $61,320 | $56,630 | $3,577 |
County income comes from Census Bureau Small Area Income and Poverty Estimates; the debt column comes from the New York Fed Consumer Credit Panel. County income grew about twenty-nine percent in five years, against about twenty-one for state debt per person. Nearly three in ten households here spend thirty percent or more on housing.
A loan payment has to fit inside the last column, not the income beside it. South Carolina sets a flat ceiling instead of an income test, so the amount does not change with local earnings. The last column is a calculation, not a published figure: monthly county income after the standard housing share. It describes a typical household at the county median, not an approved loan amount.
South Carolina Law at a Glance
These are the payday rules for all of South Carolina, including Florence. In plain terms: how much you can get, what it costs, and what happens if you cannot pay on time. Full legal text is in S.C. Code Title 34, Chapter 39.
| Item | South Carolina position |
|---|---|
| Governing law | Deferred Presentment Services Act, S.C. Code §34-39-110 and following, overseen by the State Board of Financial Institutions |
| Maximum advance | $550 at one time, not counting the fee |
| Fee | Up to 15% of the amount advanced, charged once per agreement |
| Term | Up to 31 days |
| One loan at a time | Checked against a statewide database, and no new loan on the day an old one is repaid |
| Renewal | Not allowed, and a loan cannot be paid off with a new check to the same lender |
| Returned check | No returned-check charge and no criminal liability for you; the lender may still collect through civil court |
| Trouble repaying | One extended payment plan every 12 months, in at least four equal installments at no extra cost |
Representative example: an advance at the top of the state limit carries a fee of up to $82.50, which works out to about 391% APR over 14 days. These are illustrative figures at the current limits, not quoted offers.
Other Ways to Cover an Emergency in Florence
Credit union Payday Alternative Loans
Call a federal credit union and ask if they offer a Payday Alternative Loan (PAL). It is a small loan with a rate cap around 28% APR. You need to be a member. Several credit unions serve the Florence area.
Bank small-dollar programs
Ask your own bank if they make small loans for existing customers. Some call them Balance Assist or Simple Loan. They often decide from your account history, and the cost is far below payday.
Employer and paycheck advances
Some employers and apps let you take a few hundred dollars of pay you already earned. Many charge no interest. Watch for tips and instant transfer fees.
Utility and assistance programs
If the problem is an electric or gas bill, call your Florence County community action agency. Ask about LIHEAP and a payment plan. That is assistance, not a loan. Call before a shutoff.
Borrow Carefully
- Borrow the minimum, not the maximum. Take the amount that closes the gap. The fee grows with the amount advanced, so every extra dollar raises the charge.
- Price the loan in dollars, not percentages. Ask for the total cost of credit and the due date in cash, and weigh it against income you are sure will arrive.
- Protect the repayment date. Line the due date up with your pay schedule and keep the payment inside what remains after fixed bills. If you see a problem coming, talk to the lender before the date, not after it.
- Borrow for one-time gaps only. If the shortfall repeats, a loan postpones the problem. A budget review or a nonprofit credit counselor does more than any payday loan.
To verify a lender or file a complaint, contact the South Carolina State Board of Financial Institutions, Consumer Finance Division, or the federal CFPB.
Florence Borrowers Ask
Can I take out a new payday loan the same day I repay one?
Not on the same business day. From your eighth loan in a calendar year, you have to wait until the second business day after repaying. Every lender checks a statewide database before approving, so the rule applies even if you go to a different lender.
Can I use a counter check from my bank?
A licensed lender cannot accept one. South Carolina law requires the check to carry your name preprinted on its face, so bring a check from your own checkbook, drawn on an open and active account.
Does 1F Cash Advance lend the money?
It does not. 1F Cash Advance is a loan connector: it passes one request to licensed lenders, and the lender that makes an offer sets the terms and funds the loan. Your agreement will name that lender, and that is the company the South Carolina rules on this page apply to.
