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We Make Loans to People, Not Credit Scores!

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Friendly and Fast Finance in Central City, KY

Oak Tree Finance is your locally owned finance company in Central City, KY. We have served the area for over 25 years and have a combined industry experience of over 75 years. We are proud to be the only locally owned finance company in Muhlenberg County. This allows us to bring you prompt service, with quick decisions, and a personal level of service that our clients have come to love. Decisions on your loans are made on-site. We invite you to contact us today or fill out our online application to get started today!

Comprehensive Loan Solutions Tailored to Your Financial Needs

At Oak Tree Finance, we understand that life’s financial needs come in many forms. That’s why we offer a variety of loan solutions designed to fit your specific situation, whether you’re planning a major purchase, handling an emergency, or managing everyday expenses. Serving Central City, KY, and surrounding areas, our offerings include:

Personal Loans: Flexible loan options to help with unexpected expenses or debt consolidation.

Auto Loans: Competitive financing for purchasing a new or used vehicle.

Emergency Cash Loans: Quick access to funds when you need them most.

Home Improvement Loans: Funds to enhance or repair your home.

Appliance Loans: Affordable financing to replace or buy household appliances.

Back-to-School / Tuition Loans: Support your educational expenses with manageable payments.

Holiday/Christmas Loans: Make the season bright without financial stress.

Vacation Loans: Finance your dream getaway with convenient and affordable repayment options.

Loan amounts typically range from $500 to $15,000, with approval and terms tailored to your individual needs. Apply online or in person and experience our fast, friendly, and personalized service.

Decisions Made at Location

At Oak Tree Finance, because we process everything here at our location, we can make a decision on your application in about an hour! We understand some of our customers are in situations that can require prompt attention; we are always ready to provide you quick and friendly service.

True Personal Service

We get to know our clients on a first-name basis. We enjoy and invite the challenge of spending time with our clients to build trust and truly cater to their needs. You will enjoy the service of a team that will always pay attention to detail and help you with your financial needs.

Why Choose Oak Tree Finance?

We’re dedicated to providing more than just loans; we offer personalized financial solutions designed around you. With a commitment to fast service, flexible terms, and deep community roots, we strive to make borrowing simple, transparent, and tailored to your needs.

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Over 75 Years of Combined Lending Expertise

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Flexible Terms

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Fast Turnaround

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Local, Community-Focused Service

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Wide Range of Loan Options

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Easy Application Process

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Non-Traditional Approval Approach

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Trusted by the Community

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Direct Repayment Handling

What Our Valued Customers Have to Say

★★★★★


Great place - Stella H.

★★★★★


They greet you with a smile and provide great customer service and go above and beyond to try to help any way they can. - kman 2fresh

★★★★★


They have always been great about helping us!!!! Nice friendly staff. I would recommend them to anyone!! - Patricia M.

★★★★★


Friendly staff!! Clean, up-to-date offices. Very helpful!! - Amy W.

★★★★★


Great place to go. Everyone is so nice and caring. - brooklynn c.

★★★★★


Great place - Stella H.

★★★★★


They greet you with a smile and provide great customer service and go above and beyond to try to help any way they can. - kman 2fresh

Have questions? Call us at 270-754-5626 to speak with our lending experts.