Helping individuals in need of financial assistance by offering competitive interest rates and low monthly payments.

At First Southern Financial, you won’t be greeted by a stranger. You’ll be greeted by a neighbor who is eager to help you get through life’s unexpected expenses.

Life happens to good people, and we get that. First Southern Financial is here to help individuals and families with their finances or take care of unexpected expenses, all while developing lasting relationships with our customers. We are neighbors helping neighbors.

We offer a wide range of loans for all of life’s situations.

We are not a payday lender charging outrageous interest rates. We provide loans to get you through all of life’s unexpected financial situations, with reasonable lending rates and the ability to make low monthly payments.

First Southern Financial has locations in Huntsville, Decatur, Athens, Hartselle, Albertville, Moulton, and Arab.

We’re located all across North Alabama so that you don’t have to travel far to find the financial help you need. Stop by one of our many locations to discuss your options. Don’t have time to visit a branch? Give us a call or apply online. Yes, it’s really that simple!

It pays to have friends!

Know someone in need of our financial assistance? Send them our way! If they apply for a loan and are approved, your name could be entered into a quarterly drawing to win $500.

It's as easy as 1, 2, 3!


  • Become a First Southern Financial Customer and ask a loan specialist about our referral program

  • Refer a friend or family member in need of our services by giving them one of our loan specialists’ business cards. Fill in your information on the back of the card and make sure they bring it with them when they visit one of our offices.

  • If they are approved for a loan, the business card with your information on it will be entered into a quarterly drawing for $500.

General Disclaimer:
All loans are subject to First Southern Financial's normal credit requirements. Valid photo ID and proof of income are required. Collateral may be required. Consumers in an active bankruptcy proceeding are ineligible.

Military Lending Act:
As a result of changes to the Military Lending Act, First Southern Financial is no longer able to make loans to active duty members of the armed forces or on active guard/reserve duty, spouse or dependents of the military member.

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