Get Up to $1,200
in your account
as soon as the
next business day

Request A Quote Now

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How it Works!

Oxford Financial Services has a simple online application that provides a quick & transparent process.

Bank Verification

Our verification process ensures that we can confirm your application information, including your current bank balance and income history. This is required to approve your loan application.

Review your Terms & Conditions (sign your loan agreement)

Review the terms and conditions of your loan agreement, verify your information is correct, and sign your contract using our E-sign process.

Funds As Soon As Tomorrow

Upon final approval, money can be directly deposited into your bank account as soon as the next business day.

Why Oxford Financial Services?

We understand you have a choice when it comes to financial products. At Oxford Financial Services, we make serving you the priority and strive to ensure that our loan application process is as simple, quick and transparent as possible.

Quick Approval

Apply now and you could be approved on the same day, and could see funds deposited into your account as soon as the next business day.


You’ll know exactly what you pay. There are no hidden fees and no penalties for paying off your loan early.


We understand life’s full of unexpected surprises. If you’re having trouble making a loan payment, let us know and we’ll work with you to find a solution.

Have Questions? We can Help.

Do you have questions? We can help. Please view our Frequently Asked Questions by clicking on the button below.

What kinds of income are eligible?

Pay from part-time or full-time employment, child support are all eligible. To be accepted, your income must be predictable and reasonably expected to continue through the loan’s maturity date.

How much can I borrow?

New customers are eligible for loans up to $1,000, if qualified. Returning customers can borrow up to $1,200, if qualified. Once you fill in the information requested to complete your application online, your maximum loan amount will be presented to you. You can borrow anywhere between $300 and your personal maximum. In the future, we may be able to increase your loan amounts based on your history of timely payments, etc. We want to reward you for being a Preferred Customer!

What is the process to apply for a loan?

It’s as easy as 1-2-3!

  1. Fill out the easy application online
  2. After a few seconds, you will receive notice letting you know whether you’ve been pre-approved. You must sign your loan agreement and complete Bank Verification to have your application reviewed.
  3. Underwriting will not review any loan application without the Bank Verification completed. To expedite your loan process, we require your Bank verification. This process is safe and secure. Completing this may lead to possible same day funding with no additional fee.

Do you run credit checks?

Oxford Financial Services reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases, and we may pull your credit to determine your eligibility and ability to repay.

What happens if I have bad credit?

Oxford Financial Services understands that you may have had credit troubles in the past. Our loans are tailored to service a wide range of borrowers regardless of past problems with credit or have no credit. Our goal is to help all borrowers get the money they need, especially when other lenders won’t. We are here to help you get through it all.

Need to Contact Us?


  • Monday – Friday
    7:00 AM to 5:30 PM MT


  • Oxford Financial Services,
    P.O. Box 93
    Santa Rosa, CA 95402