Independent Financial Loan Conversion

Should there be any changes to your loan, you will receive direct communication.

Your loan payment due date should remain the same, unless notified otherwise.

Beginning May 23, 2025, you can mail your loan payments to:

South State Bank, N.A.
PO Box 118068
Charleston, SC 29423-9910

Yes. Unless you are notified otherwise, your loan payments will continue to be drafted from your account as they are today.

Yes. You can make your payments using BillPay or any other third-party bill payment service. Please be sure to update the biller’s information with SouthState’s name and address on May 27.

You can make your payment via internal transfer from your SouthState checking or savings account to your loan using Online or Mobile Banking or Treasury Navigator®. (Internal transfer capabilities are not available for SBA 7a, PPP and USDA loans viewable in SouthState Online and Mobile Banking.)

You can make a payment using the SouthState Online Loan Payment System. (SBA 7a, PPP and USDA loans cannot use this system to make loan payments.)

You can make your loan payments in a variety of ways:

• You can choose to have your payment drafted from your checking/savings account with SouthState or another financial institution.
• You can mail your payment to SouthState:

  SouthState Bank, N.A.
  PO Box 118068
  Charleston, SC 29423-9910



• If you have a checking or savings account with SouthState, you can make an internal transfer to pay your loan using Online or Mobile Banking or Treasury Navigator®. (Internal transfer capabilities are not available for SBA 7a, PPP and USDA loans viewable in SouthState Online and Mobile Banking.)
• Make your payment using SouthState BillPay or other third-party bill payment system. (Please be sure to update the biller’s information to the SouthState name and address above.)
• Utilize the SouthState Online Loan Payment System. Payments to SBA 7a, PPP and USDA loans cannot be made through the SouthState Online Loan Payment System.
• You can make a payment at your local branch.
• Contact SouthState Customer Care at (800) 277-2175.

Yes. When sending your payment to SouthState, please notate that the payment should be applied to the Principal balance. Keep in mind, we will only apply the payment to the Principal balance if you have already satisfied your payment for that month.

You can also make Principal only payments through Online Banking or Treasury Navigator®. (Interest only payments can also be made in Treasury Navigator®.)

Yes. If you make a partial payment to your loan, it will be applied as part of the loan payment on the date received. If your loan is sold, the new lender may have a different policy relative to accepting partial payments.