Apply for a Loan

When life happens, First Southern Financial is here to help. Make an appointment to visit one of our many locations, give us a call, or apply online!

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 is dedicated to helping you through life’s unexpected financial situations. We are conveniently located across North Alabama so that we remain easily accessible to all of our customers.

Need financial assistance now? Call today to make an appointment to speak with a representative or apply online! Our goal is to make this process as easy as possible because the last thing you need is more stress.

About Loans from First Southern Financial

$300 – $25,000
Loan Range

We offer flexible loans to meet your financial situation.

6 Months – 72 Months
Terms Offered

We tailor the loan term to meet each customer’s specific needs.

14.99% – 48.99%
APR Range

We offer competitive interest rates and manageable monthly payments.

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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