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Begin Your Loan Application

Welcome to 1st Franklin Financial Corporation’s easy application process! Simply complete this online form or contact your local branch, and a member of our team will connect with you to discuss your application.

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New Application

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We offer Personal Loans in the states of Alabama, Georgia, Louisiana, Mississippi, South Carolina and Tennessee. You must be at least 18 years of age to apply (19 years of age in the State of Alabama).

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Contact Your Branch

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Visit or call your local 1st Franklin Financial branch to speak with our team and learn how we can help you do life.

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Resume Your Application

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If you have already started an online application and weren’t able to complete it, simply “Resume Application” here to finish the process. (You will need your reference number, last name, last four digits of your Social Security Number, and your date of birth.)

Approval and actual loan terms depend on your ability to meet our credit criteria (including annual income, debt ratios, and credit report and history) and the availability of collateral. Annual percentage rates vary depending on your credit profile and state restrictions. For example, a customer with a good credit history and minimum gross income requirements may qualify for a loan with an APR of 21.99%. Maximum APR’s vary by state. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. Active duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral.