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Financial Education Resources

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

Chester, SC: Supporting Local Firefighters

The Chester 1st Franklin Financial branch took some time to …

Financial Planning

What Documents Do I Need to Get a Loan with 1st Franklin Financial?

We pride ourselves on making this process quick and easy …

Community News

Ginger Herring elected chair of AFSA

Ginger Herring, President and CEO of 1ˢᵗ Franklin Financial Corporation, …

Community News

1ˢᵗ Franklin Financial Opens Office in Savannah, TN

1ˢᵗ Franklin Financial President and CEO Ginger Herring recently announced …

Community News

1ˢᵗ Franklin Financial Title Sponsor for T-Shirts for Turkeys

For the fifth year in a row, 1ˢᵗ Franklin Financial …

Financial Planning

How to Handle Financial Stress

If you sometimes feel stressed out or anxious about your …

Financial Planning

We Appreciate Our Customers!

Today, we reflect on just a few of the customers …

Financial Planning

Debt Consolidation – The Power of One

With a Debt Consolidation Loan, the idea of combining your …

Financial Planning

Good Debt vs. Bad Debt

What is “Good Debt” vs. “Bad Debt” and what makes …

Financial Planning

8 Questions You Should Ask Before Taking Out a Personal Loan

Before you apply for a personal loan, here are eight …

Financial Planning

Installment Loans For Bad Credit – A Way To Rebuild Credit?

While bad credit can make your financial life more difficult, …

Financial Planning

The Power of Price Match Guarantees

Preparing your shopping checklist can help you maximize your savings …

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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Chester, SC: Supporting Local Firefighters

What Documents Do I Need to Get a Loan with 1st Franklin Financial?

Ginger Herring elected chair of AFSA

1ˢᵗ Franklin Financial Opens Office in Savannah, TN

1ˢᵗ Franklin Financial Title Sponsor for T-Shirts for Turkeys

How to Handle Financial Stress

We Appreciate Our Customers!

Debt Consolidation – The Power of One

Good Debt vs. Bad Debt

8 Questions You Should Ask Before Taking Out a Personal Loan

Installment Loans For Bad Credit – A Way To Rebuild Credit?

The Power of Price Match Guarantees

Don’t miss our latest news and events.