Get the facts on applying for cash loans in Columbia with Southern Finance. We are proud to be the leading provider of cash loans to Columbia residents thanks to your years of experiences working with the Columbia community. Our list of most-asked questions is designed to explain the installment loans application process.

Turn to Southern Finance Columbia for installment loans offering reliable terms and reasonable rates. It's your best alternative to costly payday loans. Still not sure about your cash loans options? Read the FAQ below to learn more about the fast cash process.

Just hit the "Apply Now" link to start your pre-qualification process. In seconds we will let you know if we have an offer available for you in your state. If we have an offer, you will need to fill out the rest of the application per our usual credit requirements. Underwriting is done with our Central Lending office upon completion of the full online application. If you are pre-approved for the loan, you will be redirected to the nearest branch to complete the loan process. All loan proceeds are disbursed at the branch location.




Not necessarily. We make our loan decision based on several factors.
Most definitely. We base our loan on several other factors.
Loans usually start around $300 and go up to $1400. It depends on what state you're in. For a breakdown of state specific loan information, please visit our State-by-State Loan Information page.
It depends on the size of your loan. We work with you to make sure your payments are within your budget.
Most definitely. You can apply over the phone and speak directly with one of our loan professionals.
You can make payments in person with cash, check, money order, or debit card in the branch office. You can also pay by debit card over the phone.

With consistent customer satisfaction ratings of 90%, Southern Finance has proudly served customers throughout the Southern United States with cash loans since 1981. There are three simple ways to apply: fill out our convenient online application, visit our Columbia branch or call our experienced underwriters at 1-866-413-1836. We look forward to assisting you!

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