Personal financing in Florence County.
County-by-county financing guides. No paperwork. No social. No ID.
4 institutions are headquartered inside the Florence County line, and 5 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
The doors in Florence County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Palmetto First Credit UnionPersonal · Home
- Pee Dee Credit UnionMinority depositoryPersonal · Home
- S C I Credit UnionPersonal · Home
- Trinity Baptist Church Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Florence County line. You can walk in.
- Carolina Trust Credit UnionPersonal · Home · Business capital
- Safe Credit UnionPersonal · Home · Business capital
- Sharonview Credit UnionPersonal · Home · Business capital
- South Carolina Credit UnionPersonal · Home · Business capital
- Spc Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
1 of the 12 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
This guide helps solo contractors, small investors, and everyday residents of Florence County, South Carolina understand their personal financing options. It highlights local credit unions, community development financial institutions (CDFIs), and ITIN-friendly lenders that actually serve the Pee Dee region. Federal programs like FHA loans or SBA microloans are important context, but the real starting point is your local intermediary — the organizations that know Florence County and can walk you through the process in person. Take your time, compare your options, and never sign anything you don't fully understand.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Spc Credit UnionOwned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.
Carolina Trust Credit Union · Palmetto First Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN FLORENCE COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN FLORENCE COUNTY →36SC COUNTIES WITH DOORSThe whole stateEvery county in South Carolina, in this same lane.53 institutions fund personal financing inside South Carolina county lines.OPEN THE STATE →
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