COVID-19 Relief

Are you one of the many who have been financially impacted by the COVID-19 outbreak? First Southern Financial is here to help!

Don’t settle for pay-day loans to get through the financial stress caused by COVID-19.

Apply Now

As a locally owned and operated, non-predatory lender, we are determined to keep our friends and neighbors from getting trapped in the pay-day loan cycle. At First Southern Financial, we can help combine your bills into one easy monthly payment. We offer loans starting as low as $300, with competitive interest rates and reduced payment options.

Need financial assistance NOW to get you through temporary unemployment due to COVID-19? Call today to make an appointment to speak with a loan specialist, or apply online in 3 easy steps:

Complete the Online Application

Select your location and complete the online application.

Wait for a Friendly Neighbor to Contact You

Based on your selected branch, a trusted loan officer will contact you via telephone within the same day to finalize your application.

Visit Your Local Branch

Once your application has been processed, make an appointment to visit a local branch to discuss your loan options. Loan approvals are based on various factors.

How we are keeping our employees and customers safe during COVID-19

In efforts to comply with government-mandated social distancing, we now offer loan processing via curb-side service. Additionally, our employees clean and sanitize their space after each customer interaction. To keep visits as brief as possible, we ask that customers come prepared with all the essential documents for each applicant, i.e. drivers license and two official pay stubs.

Select Your Location & Apply Online

Options for Current Customers during COVID-19

In an effort to keep all of our customers safe, we are now offering the option to pay your monthly installment over the phone via debit card. For our customers who have been financially impacted by COVID-19, we are offering payment deferral and refinancing options. Contact your local branch today to learn more.

Contact Your Branch

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.