Stay afloat
between paydays
FIRST FINANCIAL HOLDINGS, LLC hands you fast, flexible short-term funding — apply in minutes, get an instant decision, and keep your budget breathing.
Seven ways to float
Whatever the reason, there's a Float built for it. Choose an offer and apply in minutes.
Payday
Cover today's gap, settle up when your paycheck lands. Small amounts, lightning fast.
Apply nowLong-Term
Bigger goals broken into gentle monthly steps you barely notice.
Business
Working capital that fuels your next move without the bank paperwork.
Refinance
Consolidate scattered debts into one calmer, lower payment.
Home Renovation
Turn the house you have into the home you actually want.
Education & Growth
Invest in courses, skills and the person you're becoming.
Health & Wellness
Care that can't wait — dental, therapy, treatment, recovery.
From apply to
approved, fast
No queues, no branch visits. The whole thing happens on your phone in the time it takes to make coffee.
Start nowChoose an offer
Pick the Float that fits and set your amount and term.
Get a decision
A soft check gives you an instant, no-impact answer.
Money floats in
Funds land in your account, often within the hour.
Built to feel
effortless
We stripped out the friction that makes borrowing stressful and kept only the parts that help.
Instant decisions
Automated underwriting answers in seconds — no waiting by the phone.
Transparent terms
Every fee on one screen before you commit. Repay early and pay less.
Bank-grade security
AES-256 encryption and multi-factor sign-in guard your data end to end.
Support that answers
Real humans, day or night, whenever a question pops up.
“FIRST FINANCIAL HOLDINGS, LLC covered a repair the same afternoon I asked. No branch, no lecture — just the money and a clear payback plan.”
Loved by the
everyday
“Funded in under 30 minutes when my card was declined at the vet. Absolute lifesaver.”
“The terms were on one screen, no surprises. I repaid early and genuinely paid less.”
“Used a Long-Term float for my course. The monthly steps are so gentle I forget they're there.”
“Renovated the kitchen without draining savings. Application took five minutes and the money floated in the same day.”
Questions, answered
How fast is the money? +
Will applying hurt my credit? +
Are there hidden fees? +
Is my data safe? +
Let's get you floating
Questions before you apply? Drop us a line and a Float specialist replies within two business hours.