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Competitive rates and low monthly payments

Our Premier Loans are offered to customers who have done an excellent job in protecting their credit. These loans, up to $10,000, often have a lower interest rate with affordable monthly payments. They can be used for:

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Major Purchases

You can use our Premier Loan to fund the larger remodel of your home without having to mortgage your home. A Premier Loan can be used to replace an older heating and cooling system, window systems throughout your home, the re-facing of a fireplace and more.

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Vehicles and Repairs

A good used car or truck with low mileage can be the perfect solution for a growing family, college student, or new driver. Other times, we are looking for ways to preserve a perfectly good form of transportation, but the repair bill is more than the available cash we have on hand.

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Property Equipment

If your property is vast, then you know the importance of having the right equipment to keep it mowed and trimmed. We offer loans that cover equipment like tractors, hay balers, tillers, mowers, wheel rakes, UTV’s and more.

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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, NMLSR #141654, Georgia Residential Mortgage Licensee #5656, Licensed by the Mississippi Department of Banking and Consumer Finance. Active duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral.