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Financial Education Resources

Read up on all things financial literacy, planning, and wellness.

Loan Basics

Applying for a Personal Loan with a Cosigner

Learn how a cosigner can help you get approved for …

Building & Protecting Credit

Personal Loans for Self Employed Borrowers

If you're self employed, you can still get a personal …

Loan Basics

What Is Simple Interest? A Complete Guide with Formula & Examples

Learn what simple interest is, how to use the I=PRT …

Loan Basics

What Is a Lien on a Car & How Does It Work?

Learn what a lien on a car means, how vehicle …

Loan Basics

What Is Loan Collateral?

Explore the types, benefits, and risks of short-term loans so …

Loan Basics

Everything You Should Know About Short-Term Loans

Explore the types, benefits, and risks of short-term loans so …

Financial Literacy Series

Closed-End Loan vs Revolving Credit – SAW Framework

Closed-end loans provide a fixed amount of money, repaid on …

Financial Literacy Series

Willingness in Personal Lending Decisions – SAW Framework

Lenders look at past credit behavior–sometimes called willingness–to determine their …

Financial Literacy Series

Ability in Personal Lending Decisions – SAW Framework

Understand how Ability factors in lending decisions—how lenders determine whether …

Financial Literacy Series

Stability in Personal Lending Decisions – SAW Framework

Lenders assess stability when reviewing loan applications, focusing on employment …

Building & Protecting Credit

How to Build a Better Credit Portfolio

Want a better credit score? Discover practical tips to pay …

Financial Literacy Series

SAW Framework for Lending – Stability, Ability, and Willingness

This video introduces the fundamentals of how lenders evaluate loan …

Financial Planning

Holiday Loans: What Are They, How Do They Work, & How Do You Apply

The holiday season is upon us. It’s meant to be a joyful…

Financial Planning

How Much Should You Budget for Groceries a Month?

Learn how much to budget for groceries each month and …

Community News

1st Franklin Sponsors 2025 Gran Fondo Hincapie in Greenville, SC

1st Franklin Sponsors 2025 Gran Fondo Hincapie in Greenville, SC…

Don’t miss our latest news and events.

1st Franklin Financial
135 E. Tugalo St.
Toccoa, GA 30577

States Licenses: 1FFC is licensed in AL, GA, KY, LA, MS, SC, TN, TX, VA, and FL.

¹All loan terms and applicable APRs depend on meeting our underwriting and income criteria for the loan size requested and may require collateral. Active-duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral. Loans for MLA covered borrowers may not be available in all states. Loan proceeds obtained from 1^st Franklin Financial cannot be used for post-secondary educational or vocational expenses; to purchase securities; for business purposes; gambling or illegal purposes. 1^st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. 1^st Franklin Financial Corporation is licensed by the Virginia State Corporation Commission, CFI-215.

² To receive same day approval and funding, the customer must provide all information requested to complete an application, including verifying documentation, by noon.

³ Get your prequalified offer from 1st Franklin Financial, without hurting your credit

⁴ Our Rates and Terms

Qualified borrowers will see loan options for 15-60 month loan terms.

Period for Repayment = 15 – 60 months Loan Amount = $3,500 & Above Maximum APR = 35.99%

Example Payment Schedule*

Loan Amount	APR	Term	Monthly Payment	Total Cost
$3,600	35.99%	24 Months	$212.55	$5,101.20

*This Example Payment Schedule is based on an average customer with good credit. The loan terms you receive will depend on your credit profile, including credit history, income, debts, and the ability to provide collateral. Not all applicants will qualify. Contact your local branch for more details.

³ You authorize 1st Franklin Financial Corporation (1FFC) to pull credit from one or more Consumer Reporting Agencies for the preapproval of a personal loan. A soft inquiry will be posted on your credit report and will not affect your credit score. If your application is approved and accepted, a hard inquiry will be required.

⁴ This is not a commitment to make a loan. Not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on your state of residence and your ability to meet credit standards, including responsible credit history, sufficient income after monthly expenses, and availability of collateral. Additional restrictions may apply.

Financial Education Resources

Filter Articles:

Filter Articles:

Applying for a Personal Loan with a Cosigner

Personal Loans for Self Employed Borrowers

What Is Simple Interest? A Complete Guide with Formula & Examples

What Is a Lien on a Car & How Does It Work?

What Is Loan Collateral?

Everything You Should Know About Short-Term Loans

Closed-End Loan vs Revolving Credit – SAW Framework

Willingness in Personal Lending Decisions – SAW Framework

Ability in Personal Lending Decisions – SAW Framework

Stability in Personal Lending Decisions – SAW Framework

How to Build a Better Credit Portfolio

SAW Framework for Lending – Stability, Ability, and Willingness

Holiday Loans: What Are They, How Do They Work, & How Do You Apply

How Much Should You Budget for Groceries a Month?

1st Franklin Sponsors 2025 Gran Fondo Hincapie in Greenville, SC

Don’t miss our latest news and events.