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Debt Management

Can You Refinance a Personal Loan? How It Works

Can you refinance a personal loan? Learn how refinancing works, …

Debt Management

5 Ways to Use Personal Loans for Growing Your Financial Future

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

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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 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.

⁵ No payment until January 2027 when you close your loan November 17-December 31, 2026. Additional charges will apply.

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.

1st Franklin Financial Wellness Blog

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Can You Refinance a Personal Loan? How It Works

5 Ways to Use Personal Loans for Growing Your Financial Future

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