Verse 1: Oh I got a galland she's no fool,
Pass down de centre.
Big as an elephant, purty as a mule,.
Pass down de centre.
Her feet am large but dat's no sin,
Pass down de centre.
In rainy weather she takes dem in,
Pass down de centre.

Chorus: Loan me a nickel, I'll pay you next fall,
Old Uncle Ephraim don't you hear me callin on you,
Loan me a nickel, I'll pay you next fall,
Old Uncle Ephraim don't you hear me call.

Verse 2: Oh some people goes to church to talk,
Pass down de centre.
Some can't a pick up de christian walk,
Pass down de centre.
Some comes a cripel'd, some comes lame,
Pass down de centre.
Oh some comes hobling wid hickry canes,
Pass down de centre.

Chorus: Loan me a nickel, I'll pay you next fall,
Old Uncle Ephraim don't you hear me callin on you,
Loan me a nickel, I'll pay you next fall,
Old Uncle Ephraim don't you hear me call.

Verse 3: Old bull frog dressed in soldier clothes,
Pass down de centre.
Went down the road for to shoot some crows,
Pass down de centre.
Nigger on horse back thought he's king,
Pass down de centre.
Den 'long comes an alligator scooped nigger in,
Pass down de centre.

Chorus: Loan me a nickel, I'll pay you next fall,
Old Uncle Ephraim don't you hear me callin on you,
Loan me a nickel, I'll pay you next fall,
Old Uncle Ephraim don't you hear me call.