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Financial Education Resources

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

Community News

20th Anniversary T-Shirts for Turkeys Campaign: A Record-Breaking Celebration

For more than a decade, it’s been a labor of …

Financial Planning

How to Have a Festive Holiday Without Breaking the Bank

From DIY decorations and smart gift ideas to low-cost celebrations, …

Financial Planning

Fall Financial Planning Review: Why Autumn Is the Perfect Time to Review and Renew Your Financial Plans

Autumn is the perfect season for a fresh start, helping …

Financial Planning

Pencils and Possibilities: How 1st Franklin Financial Powers Back-to-School Success

Back-to-school season isn’t just about new notebooks — it’s about …

Community News

1st Franklin Sponsors Cumbre Alta Soccer Camp

1st Franklin sponsors Cumbre Alta Soccer Camp in Houston, TX …

Building & Protecting Credit

Comparing Personal Loans vs. Credit Cards for Emergency Expenses

Life throws us all curveballs. What is the best option …

Community News

1st Franklin Northeast Tennessee Region Teams Up With Second Harvest Food Bank

Team members from our Bristol, Kingsport, and Johnson City offices …

Community News

South Carolina Branches Participate in Papa John’s Mutt Strut to Raise Money for Greenville Human Society

Team members from our Greenville, Greer and Laurens branches gave …

Debt Management

5 Ways to Use Personal Loans for Growing Your Financial Future

If you had some extra money available right now, what …

Financial Planning

Caring Matters, and It Drives Us at 1st Franklin Financial.

Caring matters in every part of life. Way back in …

Community News

1st Franklin Sponsors The Joy FM’s “T-Shirts for Turkeys” Drive

For the 11th year in a row, 1st Franklin continues …

Fraud Prevention & Security Tips

Auto Repair Loans for Those with Bad Credit

That’s how it works at 1st Franklin Financial. We know …

Community News

1st Franklin Honors 2023 National Police Week

To celebrate National Police Week, 1st Franklin wanted to honor …

Community News

1FFC San Antonio Participates in Fiesta Especial 2023

This year, 1st Franklin was able to take part in …

Life Milestones & Loans

How to Get Help With Bad Credit

Life gets complicated sometimes and bad credit situations can happen. …

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.

Get your prequalified offer from 1st Franklin Financial, without hurting your credit³

Our Rates and Terms⁴

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

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20th Anniversary T-Shirts for Turkeys Campaign: A Record-Breaking Celebration

How to Have a Festive Holiday Without Breaking the Bank

Fall Financial Planning Review: Why Autumn Is the Perfect Time to Review and Renew Your Financial Plans

Pencils and Possibilities: How 1st Franklin Financial Powers Back-to-School Success

1st Franklin Sponsors Cumbre Alta Soccer Camp

Comparing Personal Loans vs. Credit Cards for Emergency Expenses

1st Franklin Northeast Tennessee Region Teams Up With Second Harvest Food Bank

South Carolina Branches Participate in Papa John’s Mutt Strut to Raise Money for Greenville Human Society

5 Ways to Use Personal Loans for Growing Your Financial Future

Caring Matters, and It Drives Us at 1st Franklin Financial.

1st Franklin Sponsors The Joy FM’s “T-Shirts for Turkeys” Drive

Auto Repair Loans for Those with Bad Credit

1st Franklin Honors 2023 National Police Week

1FFC San Antonio Participates in Fiesta Especial 2023

How to Get Help With Bad Credit

Don’t miss our latest news and events.