About 1st Heritage Credit

First Heritage Credit was founded and in 1995, on the basic business principle that we can be most successful if we treat our employees, customers and each other with dignity and respect. This has worked well for us because today, First Heritage Credit serves over 100,000 customers through 106 branches operating in Alabama, Louisiana, Mississippi, South Carolina, and Tennessee. Since we are a community based Lender, lending decisions are made locally by Branch Managers who live, shop and work in the communities they serve. This community knowledge and personal interaction allows us to customize personal installment loans that meet the customer’s financial need with a payment they can afford. In addition to personal loans, First Heritage Credit provides financing to local merchants for consumer items such as furniture, appliances, electronics, ATV’s and much more.

We are committed to providing our employees with a competitive compensation and benefits package and a positive and rewarding work environment. We continually seek career oriented, motivated and customer service driven individuals to join our Company. Our emphasis on training, education and individual and team performance goals provides employees with an opportunity to advance within our Company.

Come join the First Heritage Credit team!!

Our Mission Statement

Our mission is to improve the lives of our customers by providing solutions for financial needs that they face. Fast and Friendly Service is not just a slogan at First Heritage, it is a way of life. Through our network of Branch Offices located in Alabama, Louisiana, Mississippi, South Carolina, and Tennessee our goal is to be the “Lender of Choice” in the communities we serve.

Our Vision

We will continue our great service to the customers in those communities that we now serve and will serve, as we expand into other communities. We will never lose sight of the fact that our number one purpose is to solve problems for our customers.

We will enhance that service even more by taking advantage of the advances in technology available to us.

At the center of all of our plans are those people who choose First Heritage Credit as the place they want to work. We reward those who choose us, not only with pay and benefits but also with training and support to help them reach their full potential. We have been and plan to be the envy of our peers.

A Message from the Board of Directors

At First Heritage Credit, we are regulated by both state and federal laws and regulations.

It is our policy and our intention to manage our business within these boundaries.

We think we do a good job of this. If you, as one of our customers, think we may have fallen short of this goal, please let us know.

We invite you to call us at 1-877-748-3421 to let us know of any concerns you may have.

First Heritage Credit
Board of Directors


First Heritage Credit is the perfect place to start a career in consumer finance. With operations in 60 branch offices in Alabama, Louisiana, Mississippi, South Carolina, and Tennessee, we’re looking for motivated and customer focused individuals to start a career with us.