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South Carolina · Columbia

Loan Options in Columbia, South Carolina

If money is tight in Columbia, a loan is not always the first move, and even when it is, checking the lender first is worth two minutes. Here is the local energy-assistance contact for Richland County and how to verify any South Carolina lender before you borrow. For new requests SET Financial is not the lender; we connect you with third-party lenders who decide all terms.

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SET Financial is a lead-connection service for new loan requests, not the lender. Not everyone who applies will be matched or approved.

Before you borrow in Columbia: check Richland County assistance

If the pressure is an energy bill or a disconnection notice, there is a program for exactly that, and it is not a loan. South Carolina runs LIHEAP through local community action agencies, and which agency you use depends on your county. The state office does not take applications itself, so reaching the right local agency is the whole trick.

Richland County applies through Wateree Community Actions, Inc.

Phone: 803-807-9811

Wateree Community Actions runs LIHEAP energy assistance for Richland County from its Columbia office at 201 Columbia Mall Blvd, Suite 91, and also covers Clarendon, Kershaw, Lee, and Sumter counties.

Wateree Community Actions, Inc. · Full SC provider directory

Check any Columbia lender against the state's records

South Carolina gives you a verification step most states do not. Any creditor charging above 18% APR must file a Maximum Rate Schedule with the Department of Consumer Affairs and post it. Those filings are public, so before you hand over a Social Security number you can confirm a company is licensed and see the maximum rate it has filed.

Search the SCDCA licensee lookup, and see our South Carolina loan rates and rules guide for how to read the result.

Talk to Dominion Energy South Carolina before the bill becomes a loan

Assistance funding runs out, but a utility's own payment arrangement usually does not, and it is the step people skip. If a disconnection notice is already in hand, say so when you call: the options before a shutoff are meaningfully better than after one, and a reconnection fee is money you never get back.

Dominion Energy South Carolina billing help

If you do request a loan

SET Financial is not the lender on new requests. You submit one request and we work to match it with third-party lenders. Whether anyone responds, and on what terms, is their decision. Compare any offer on these four things:

  • APR, the only number that compares two loans honestly.
  • Total repayment over the full term, not just the monthly payment.
  • The payment dates against your actual pay dates.
  • Late and returned-payment fees.

Common questions

Are there loan options in Columbia, South Carolina?

Yes. SET Financial is not the lender on new requests, but Columbia residents can submit one request that we work to match with third-party lenders. Approval, rates, and terms are set by the lender, not by SET Financial, and a match is never guaranteed.

Where do Richland County residents get help with an energy bill?

Richland County residents apply for LIHEAP energy assistance through Wateree Community Actions, Inc. (803-807-9811). South Carolina routes LIHEAP through local community action agencies, so confirm current funding and eligibility with the agency, or check the state OEO provider directory if you are unsure which agency serves you.

How can I check whether a lender is licensed in South Carolina?

Use the South Carolina Department of Consumer Affairs Fees and Licensee Lookup. It shows whether a company holds an active license and the maximum rate it has filed with the state, which any creditor charging above 18% APR must file.

SET Financial is not the lender on new requests and does not guarantee approval, funding, rates, or terms. Programs, contact details, and eligibility change, so confirm current details directly with the agency or the state OEO directory. This page is general information, not legal or financial advice. Last updated September 21, 2026.

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