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Yesterday and Today

1st Franklin Financial Corporation is in the business of helping our friends and neighbors make their way through life with the dignity and respect they deserve. Since 1941, we have worked in local communities to provide financial solutions for our customers and their families.

It’s been over 75 years since our founder Ben F. Cheek, Jr., made his first $34 loan; since then we’ve worked with generations of families to provide them with the funds they need when they need them the most. Our customers know us, but more importantly, we know them. While times have changed since 1941, our commitment to our customers remains the same.

Today, with more than 300 loan offices throughout Georgia, Alabama, Tennessee, Louisiana, Mississippi and South Carolina, we continue to offer personal loans and financial solutions so our customers can reach their goals. In addition to our personal loan products and real estate loans, 1st Franklin Financial Corporation also offers investment securities in the form of Senior Demand Notes, Subordinated Debentures and Commercial Paper from our Investment Center, which is located in Toccoa, Georgia.

1st Franklin is a proud member
of the following organizations:

  • Alabama Lenders Association
  • Alabama Financial Services Association
  • American Financial Services Association
  • AFSA Education Foundation
  • Georgia Financial Services Association
  • Georgia Industrial Loan Association
  • Louisiana Finance Association
  • Mississippi Consumer Finance – Business & Industry Political Education Committee
  • Mississippi Consumer Finance Association
  • Renewal Financial
  • South Carolina Business & Industry Political Education Committee
  • South Carolina Financial Services Association
  • South Carolina Independent Consumer Finance Association
  • Tennessee Consumer Finance Association

1st Franklin Financial Corporation Reports

1st Franklin Financial files annual, quarterly and special reports, as well as other information with the Securities and Exchange Commission. Review the most recent financial reports and interactive data files below.

Approval and actual loan terms depend on your ability to meet our credit criteria (including annual income, debt ratios, and credit report and history) and the availability of collateral. Annual percentage rates vary depending on your credit profile and state restrictions. For example, a customer with a good credit history and minimum gross income requirements may qualify for a loan with an APR of 21.99%. Maximum APR’s vary by state. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. Active duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral.