UPDATE Monday Nov 21 at 11:00 am: 1st Franklin is experiencing technical issues that impact our ability to receive phone calls or process loan applications. We are working diligently to address the outage. Branches are open regular business hours to take cash or check payments.

1st Franklin Financial
Oxford

1st Franklin Financial Oxford

4.8 out of 5.0

33 Reviews

Leave a Review

4.8 out of 5.0

33 Reviews

Leave a Review

Open Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 1:30 PMOpen Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 5:30 PMClosed Today Closed Today

1716 East Hamric Drive

Suite 5/6

Oxford

AL 36203

(256) 832-0450(256) 832-0450

Serving Oxford since 2006!

View Nearby Locations

Hours:

Day of the Week	Hours
Monday	8:30 AM - 5:30 PM
Tuesday	8:30 AM - 5:30 PM
Wednesday	8:30 AM - 1:30 PM
Thursday	8:30 AM - 5:30 PM
Friday	8:30 AM - 5:30 PM
Saturday	Closed
Sunday	Closed

Personal loans at the speed of life.

When you find yourself in need of financial help, we offer personal loans with flexible terms to fit any budget so you can get back to what really matters — living your life.

Quick approvals
Fixed payments, fixed rates
Loans up to $15,000*

Apply Now

Getting the cash you need is fast and easy. We have three ways to apply to make things simple and convenient for you.

Apply via Phone

Talk to one of our loan specialists one on one over the phone to get started.

(833) 689-5626(833) 689-5626

Apply Online

Apply anytime and we’ll start your loan process the next business day.

Apply Now

Apply at Branch

Stop by one of our branches during normal business hours for faster service.

Learn More

If you need immediate assistance, call or visit a branch.

You could have the money you need to get everything back on track the same day.
In some cases, only in a few hours!

Frequently Asked Questions

What documents do I need to apply for a 1st Franklin loan?

As part of the process, we will need a few documents to secure your loan. You’ll need valid identification, such as driver’s license, social security card or birth certificate, proof of address such as utility or phone bill, voter registration card or mortgage statement, and verifiable income such as paystub, tax return or bank statement.

What loan amounts do you offer?

1ˢᵗ Franklin Financial offers loans up to $15,000.

Can I qualify for a loan if I have a low credit score?

If you have a low credit score, we can still help. We make loans to fit just about any budget.

How long does it take to get approved?

Approvals are done right at the branch, so you can get your money fast. Sometimes in the same day.

How is a 1ˢᵗ Franklin Financial loan different from a payday loan?

1ˢᵗ Franklin Financial is not a payday lender nor do we offer loans secured against a customer’s next paycheck. We offer customers short and long term installment loans with payment plans that fit each customer’s need.

Our Local Dealers

We proudly offer select financing at the dealers listed below. Please be sure to check out their sites and support your local community!

Speedzone Motorsports

(256) 835-3335

See Offers

Haynes Motorsports

(256) 240-2480

See Offers

Furniture Outlet

(256) 236-7272

See Offers

Motorcycle Sports

(256) 831-6495

See Offers

A and B Trailers

(256) 831-7766

See Offers

Homeroom Furniture

(256) 236-6162

See Offers

Recent Reviews

4.8 out of 5.0

1 Star

2 Star

3 Star

4 Star

5 Star

Leave a Review

5 out of 5

Nov 11, 2022

Very nice people who will work with you to help you out. Plus, they always laugh at my jokes.

Harrell J

5 out of 5

Nov 3, 2022

Great people

James W

5 out of 5

Oct 5, 2022

Extremely helpful and Scott will work to find the best way to meet your needs

J D

5 out of 5

Oct 4, 2022

Great service everyone is so nice every time!!!

Marica C

5 out of 5

Oct 3, 2022

First Franklin always come through for me when I need them the most.

Margaret

5 out of 5

Jul 13, 2022

They always do their best to help you with your financial needs. Very friendly staff!

Jennifer P

5 out of 5

Jul 12, 2022

Great customer service by entire staff. A big thank you to Scott & Monica!

Geraldine T

5 out of 5

Mar 1, 2022

Great Customer Service and very friendly staff, always courteous and professional whenever I visit this location.

Vanessa G.

5 out of 5

Feb 9, 2022

Michaela Bailey assisted me with my recent loan and was so very professional and courteous. She was so attentive to what I needed and extremely efficient. Thank you so much for your help!

Eric J

5 out of 5

Feb 2, 2022

First Franklin, has always been there for my family when we needed them. The personnel is very friendly also.

Joy W.

5 out of 5

Feb 23, 2021

I left a review yesterday. I had someone call and explain things better for me. She was friendly and professional. Thanks for call and helping me understand.

Sandria N

Thank you for giving us a chance to explain things, Sandria! Excellent customer service is our number one goal.

Response from 1st Franklin Financial

5 out of 5

Feb 22, 2021

Hard to understand the financial agreement. Interest rate is too high for loans and does not explain apr I then recieved a call and had someone call to help me understand more. Thanks for the friendly professional call.The Oxford store is always friendly.

Sandria N.

We would like to apologize for your disappointment with our Oxford office. Please know that your feedback is important to us. If you would like to discuss this matter with someone from our Corporate Office, please contact our Quality Assurance Department at 1-800-700-7943. Representatives are available Monday through Friday, 8:30am to 5:00pm EST.

Response from 1st Franklin Financial

5 out of 5

Sep 3, 2020

Great employees, kind friendly and courteous.

Dianne H

Hi, Dianne! Thank you for taking the time out of your busy schedule to review our business.

Response from 1st Franklin Financial

4 out of 5

Mar 12, 2020

Excellant customer service. Very quick to process a new loan.

Carol M.

Thank you for your kind review, Carol!

Response from 1st Franklin Financial

5 out of 5

Mar 7, 2020

I love the staff there in Oxford. They are always helpful and ready to assist me.They are very professional and at the same time make you feel like family. 5 stars for them!!!!

Shirley P.

We train and coach around a culture of kindness and quality and want everyone in our team to feel equipped to serve you as if you are family. We will pass along your comments to our team. It is words like these that keep us motivated to deliver top-notch service.

Response from 1st Franklin Financial

5 out of 5

Mar 6, 2020

wonderful company to deal with friendly and very understanding

John C.

Come visit us soon. You can count on every one of us doing our best!

Response from 1st Franklin Financial

5 out of 5

Mar 6, 2020

Great customer service!!! Friendly environment!

Tarah S.

Friendly service is our commitment to you.

Response from 1st Franklin Financial

5 out of 5

Mar 6, 2020

I am so glad for your business. Thanks for helping me.

Sandra W.

Your words of appreciation make a world of difference and set the tone for our employee's morale.

Response from 1st Franklin Financial

2 out of 5

Mar 5, 2020

Works with you when others won't.

Gary B.

Thank you for your feedback, Gary.

Response from 1st Franklin Financial

5 out of 5

Mar 5, 2020

Great customer service

Dianne H.

We are extremely grateful for your review!

Response from 1st Franklin Financial

See All ReviewsSee Less Reviews