Find a Location

First Southern Financial has locations across North Alabama to provide personal loans to individuals and families who need financial assistance.

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!

With locations in Huntsville, Decatur, Athens, Hartselle, Albertville, Moulton, and Arab, we are easy to locate and quickly accessible. The best part is, no matter which location you visit, you will always be greeted by a friendly neighbor who is ready and willing to assist you with your financial needs.


7419 Hwy. 431 N, Suite A
Albertville, AL 35950 
(256) 891-4383

Manager: Wendy Chapman | Email Wendy

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1062 N. Brindlee Mtn. Pkwy.
Arab, AL 35016 
(256) 586-1214

Manager: Jena Stephens | Email Jena

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908-C Hwy. 72 W
Athens, AL 35611
(256) 233-4048

Manager: Cindy Kelsoe | Email Cindy

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1622 2nd Ave. SW

Cullman, AL 35056 
(256) 737-5120

Manager: Greg Kent | Email Greg

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Decatur – 6th Avenue

1733 6th Ave. SE
Decatur, AL 35601 
(256) 350-2727

Manager: Jeff Carter | Email Jeff

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Decatur – Danville Road

2218 Danville Rd. SW
Decatur, AL 35601
(256) 355-1602

Manager: JB Huffman | Email JB

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1307 Hwy. 31 N, Suite B
Hartselle, AL 35640 
(256) 751-9909

Manager: Karen Haga | Email Karen

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Huntsville – Mastin Lake

2203 Mastin Lake Rd. NW
Huntsville, AL 35810
(256) 851-6699

Manager: Gary Helton | Email Gary

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Huntsville- University Dr.

4710 E University Drive
Huntsville, AL 35814 
(256) 837-0914

Manager: Tina Walls | Email Tina

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12521 Al Hwy. 157, Suite E & F
Moulton, AL 35650
(256) 974-1776

Manager: Cortney Bradford | Email Cortney

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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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