Our Story

From our roots in 1941, 1st Franklin has been dedicated to offering trusted financial solutions to our local communities.

Today, we proudly continue that mission with over 370 branches throughout the Southeast. 

Our Impact

Our numbers speak for themselves.

10 States
We service
6 Million +
Loans made
13 Billion +
Dollars loaned

What Drives Us

Honesty and transparency

Trust matters. That’s why we offer clear, simple fixed rates and payments, with no hidden fees or surprises.  

We’ve got your back

Get the loan you need, when you need it. Find a short- or long-term loan that fits your unique situation. 

There for you when you need us

You could get the funds you need the same day — sometimes in as little as a few hours! ²

Our History

Follow our journey through the years.

We’ve been in the business of providing financial solutions for our friends and neighbors for over 80 years. As we reflect on our journey and continue to grow, our mission remains clear — to empower local communities through financial literacy and dedicated support.
1940s
1950s
1960s
1970s
1980s
1990s
2000s
1940s
It all started in 1941 when Ben F. Cheek made his first auto loan — just $34 — from his law office in Toccoa, Georgia.
1950s
In 1950, the Company expanded its services by selling investment securities to the public to finance its loan operation.
1960s
By 1960, the Company had 500 investment customers with purchases over $1,000,000.
1970s
By 1970, the Company employed a total of 70 employees.
1980s
In 1983, the name “Franklin Discount Company” was replaced with “1st Franklin Financial Corporation.”
1990s
In 1991, 1st Franklin Financial celebrated its 50th Anniversary.
2000s
The Company began the turn of the century looking forward to a new century of opportunity.

Our Commitment

Over eight decades of experience, all focused on supporting our community.

Community News

Giving Back

We support local and national charities, from homeless shelters and food banks to organizations such as the American Cancer Society, American Heart Association, United Way, March of Dimes, St. Jude Children’s Research Hospital, Susan G. Komen Foundation, the U.S. Armed Forces, and more. 

Playing it Forward

From the sidelines to the community, 1st Franklin is proud to support youth sports and the values of teamwork and sportsmanship they foster. 

Stronger Together

Our employees are at the heart of everything we do. We build unity and personal growth through team-building activities like 5ks and contests for a cause.

Careers

Your next chapter starts here. 

Be part of a team dedicated to making a difference in local communities since 1981. 

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