About Us

First Southern Financial’s goal is to help those who need financial assistance by providing installment loans with reasonable interest rates.

In efforts to comply with government-mandated social distancing, all walk-in customers must adhere to our carefully measured safety parameters. If you are seeking financial services, please call ahead to make an appointment to avoid office crowding.

We ask that if a current or potential customer is experiencing any signs or symptoms of the Flu type A or B, common cold, or Coronavirus, please call our office or use our convenient online application.

Learn more about how First Southern Financial is supporting Neighbors through COVID-19!

First Southern Financial has been serving North Alabama since 1993. We have made it our mission to stay locally owned and operated so that we may continue to offer our customers the best, most personable service possible.

We know that life happens to good people, and sometimes you need a little financial help. We’re here to see you through life’s unexpected expenses and help you get to the other side without adding more financial stress to your plate.

Why Choose First Southern Financial? We are:

your neighbors

First Southern Financial is dedicated to creating lasting relationships with our customers. We do so by ensuring your experience with our staff is always easy. At the end of the day, we are neighbors helping neighbors.

locally owned & operated

With First Southern Financial, you don’t have to drive far to find the financial help you need. Unlike getting a loan from a website, we have locations spread all through North Alabama staffed with friendly faces who are ready and willing to assist you.

not a predatory lender

We strive to set ourselves apart from the predatory lenders by promising to never take advantage of your financial situation. Unlike payday lenders, we offer manageable monthly payments with competitive rates which allows our customers to stay within their budget.

Learn more about First Southern Financial:

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. Not all applicants will qualify for larger loan amounts or most favorable loan terms. All loan approvals and actual loan terms are subject to First Southern Financials normal credit requirements and depends on your ability to meet our credit standards (including a positive credit history, sufficient monthly income to cover monthly expenses, and availability of collateral). APR’s are generally higher on loans not secured by a vehicle and vary depending on your credit profile and state restrictions.

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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