1st Franklin Financial
Oxford

1st Franklin Financial Oxford

4.8 out of 5.0full starfull starfull starfull starfull star
33 Reviews
4.8 out of 5.0full starfull starfull starfull starfull star
33 Reviews
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
US
(256) 832-0450(256) 832-0450
Serving Oxford since 2006!

Hours:

Day of the WeekHours
Monday8:30 AM - 5:30 PM
Tuesday8:30 AM - 5:30 PM
Wednesday8:30 AM - 1:30 PM
Thursday8:30 AM - 5:30 PM
Friday8:30 AM - 5:30 PM
SaturdayClosed
SundayClosed
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?
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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?
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1ˢᵗ Franklin Financial offers loans up to $15,000.
Can I qualify for a loan if I have a low credit score?
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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?
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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?
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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 5.0full starfull starfull starfull starfull star
1 Star
2 Star
3 Star
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5 out of 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
Nov 3, 2022
Great people
James W
5 out of 5full starfull starfull starfull starfull star
Oct 5, 2022
Extremely helpful and Scott will work to find the best way to meet your needs
J D
5 out of 5full starfull starfull starfull starfull star
Oct 4, 2022
Great service everyone is so nice every time!!!
Marica C
5 out of 5full starfull starfull starfull starfull star
Oct 3, 2022
First Franklin always come through for me when I need them the most.
Margaret
5 out of 5full starfull starfull starfull starfull star
Jul 13, 2022
They always do their best to help you with your financial needs. Very friendly staff!
Jennifer P
5 out of 5full starfull starfull starfull starfull star
Jul 12, 2022
Great customer service by entire staff. A big thank you to Scott & Monica!
Geraldine T
5 out of 5full starfull starfull starfull starfull star
Mar 1, 2022
Great Customer Service and very friendly staff, always courteous and professional whenever I visit this location.
Vanessa G.
5 out of 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starempty star
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 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
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 5full starfull starfull starfull starfull star
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 5full starfull starempty starempty starempty star
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 5full starfull starfull starfull starfull star
Mar 5, 2020
Great customer service
Dianne H.
We are extremely grateful for your review!
Response from 1st Franklin Financial