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Payable after applicant’s loan closes. Not available in Mississippi or in connection with a loan secured by real estate. All loan terms and applicable APR’s 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. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656.