We're not a branch of anything. Russellville Financial Inc is a locally owned loan agency that has served Franklin County from the same downtown blocks for decades.
Russellville Financial started the way most good things in this town start: with a neighbor helping a neighbor. Long before online lenders and loan-by-app, folks around Franklin County needed a place where they could borrow a reasonable amount, on reasonable terms, from someone who would look them in the eye. That's the business we built, and it's the business we still run today.
Decades later, the tools have changed — but the desk hasn't. Every loan we write is still reviewed by a person, explained face to face, and signed with a handshake. We've financed washing machines and water heaters, tires and transmissions, back-to-school Augusts and lean Decembers. We've watched customers' kids grow up and come in for their own first loans, and there is no better compliment in this business than that.
Being family-run means our name is on the door and our reputation walks around town with every loan we make. We can't hide behind a corporate logo, and we've never wanted to. If we wouldn't offer a loan to our own kin, we won't offer it to you.
Small team, long memories, no phone trees.
Scott has run the office for as long as most customers can remember, and plenty of them ask for him by name. He reviews every application personally, believes a budget conversation should happen before a loan — not after — and has talked as many people out of borrowing as into it. If you call, odds are good he's the one who picks up.
Donna keeps every payment schedule straight and every account accurate to the penny. She's the friendly voice who calls with a reminder before a due date slips by, and the reason our customers' credit records stay clean. She's been balancing our books — and greeting folks at the counter — for over fifteen years.
The newest generation of the family in the business, Tyler handles first visits, paperwork, and references. He grew up in Russellville, played ball at RHS, and is usually the first face you'll see when you walk in. Ask him about credit starter loans — helping first-time borrowers is his favorite part of the job.
Every term, every number, every date — explained across the desk until it's clear. If you leave our office confused, we did our job wrong.
We lend what your budget can carry, not what a formula says we could collect. A loan that strains you is bad business for both of us.
Yes or no, usually the same day, with the reasons either way. Your time matters, and waiting a week to hear back from a lender helps no one.
We plan to see you at church, at the ballpark, and in line at the grocery store for years. Every decision we make assumes that relationship matters more than any single loan.
We're at 118 Jackson Avenue N, open Monday through Friday, 9:00 AM to 5:00 PM. Coffee's usually on.
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