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South Carolina · Florence

Loan Options in Florence, South Carolina

Before a bill in Florence becomes a loan, there is local help worth a call, and a quick way to check any lender the state's own way. Here is the Florence County energy-assistance contact and the South Carolina licensee lookup. For new requests SET Financial is not the lender; we connect you with third-party lenders who set all rates and 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 Florence: check Florence 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.

Florence County applies through Pee Dee Community Action Partnership

Phone: 843-678-3400

Pee Dee Community Action Partnership administers LIHEAP for Florence, Dillon, and Marion counties from its main office at 2685 South Irby Street, Florence.

Pee Dee Community Action Partnership · Full SC provider directory

Check any Florence 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 Duke Energy Progress 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.

Duke Energy Progress billing help

Duke Energy Progress is the main electricity provider for the City of Florence, with MPD (Marlboro & Pee Dee) Electric Cooperative serving some surrounding areas.

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 Florence, South Carolina?

Yes. SET Financial is not the lender on new requests, but Florence 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 Florence County residents get help with an energy bill?

Florence County residents apply for LIHEAP energy assistance through Pee Dee Community Action Partnership (843-678-3400). 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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