1st Franklin Financial
Oxford
1st Franklin Financial Oxford
4.8 out of 5.0full starfull starfull starfull starfull star
23 Reviews
4.8 out of 5.0full starfull starfull starfull starfull star
23 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
1720 Hamric Drive East
Suite 7
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. Our Premier Loans are available up to $10,000. Minimum loan amounts vary by state. State: AL, LA, MS, SC, TN, TX – Minimum Loan Amount: $1,000 State: GA – Minimum Loan Amount: $1,250
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.

Recent Reviews

4.8 out of 5.0full starfull starfull starfull starfull star
1 Star
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Leave a Review
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
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great customer service
Kendarius M.
Our staff is constantly hard at work finding ways to exceed customer's expectations and provide seamless service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
very friendly and its a great company to deal with
John C.
We are so glad our efforts are paying off and you had the opportunity to experience superior service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Easy process from start to finish!
Joshua C.
We are delighted to have had the opportunity to serve you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Fast, easy and friendly
Donald R.
Come visit us soon. You can count on every one of us doing our best!
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 4, 2020
Friendly and helpful customer service
James M.
Words do not suffice to express how grateful we are for your review.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Always so helpful & easy to work with.
Teri A.
We are looking forward to your next visit!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
I love first Franklin in Oxford they have helped me so many times, when my dad passed I needed money and they were the only place that would give me a loan, to get Christmas, and to buy my house I've gotten a few loans from them, they actually gave me my very first loan and I love the employees they know me by name I'm greeted as soon as I walk in they are always nice and willing to help me, I've used them so many times. I know whenever I need extra cash for anything first Franklin will do there best to help me and I love knowing that.
Camaran C.
We recognize that the core of our business is our customers. With that in mind, we pride ourselves on having staff that is passionate about what they do.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great
Carrie T.
Thank you for reviewing our Oxford office!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Always help when I'm in need.
Connie C.
Thank you for being a 1st Franklin customer, Connie!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 16, 2019
Great customer service and friendly staff
James M.
We wanted to take a moment to thank you for telling us more about your experience with us.
Response from 1st Franklin Financial