Simplify your debts into one easy payment. 

Say goodbye to juggling payments and hello to one monthly bill. 

Estimate your monthly payment

Take control by consolidating your debt.

Feeling overwhelmed by bills? When you consolidate your debts with 1st Franklin, you’ll make one easy payment every month, simplifying your life and organizing your finances.

  • One simplified monthly payment for multiple debts
  • Fast approval and funding—sometimes within hours²
  • Fixed payments, competitive rates, no hidden fees

Our Benefits

Why choose a debt consolidation loan from 1st Franklin Financial?

Competitive Rates

Save money while simplifying your payments with affordable loan options.

Borrow What You Need

Choose a loan amount that covers your debts, big or small.

Fast Online Application

Apply in minutes to start consolidating. ²

Predictable Payments

One fixed monthly payment makes budgeting easier and stress-free.

Transparent Terms

No hidden fees—just straightforward lending you can trust.

Apply Now

How it Works

Getting approved is as easy as 1, 2, 3.

Our team is here for you every step of the way. 

  1. Apply without affecting your credit. 
  2. Choose the terms that are right for you.
  3. Access your funds in as little as a few hours! ²
Apply Now

What could a debt consolidation loan look like?

Get a quick estimate of what your monthly payment could be with our loan calculator. It’s a simple way to explore your options before you apply.

Explore monthly options for your budget

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Learning Center

Have questions?
Look no further.

Explore all resources
Debt consolidation loans are personal loans that enable you to consolidate multiple monthly payments into one manageable bill. 
It simplifies your finances, may reduce your interest rate, and can help you pay off debt faster.
When you visit your local 1st Franklin branch to complete your loan, you’ll review the terms of your loan and set up the payment option that works best for you.  As part of the closing process, you’ll need to bring the following documents with you:
  • A valid government issued photo ID (e.g. driver’s license, state ID, resident alien card, or passport)
  • Proof of residence (e.g. a utility bill or a signed lease)
  • Proof of income (e.g. paystubs or tax return)
Additional documents may be needed, depending on the loan for which you apply. See the full list here.
You can begin the application process electronically by clicking the “Apply Now” button. In most instances our staff will be in contact with you immediately, but assuredly will be in contact within two business days to discuss your application and answer any questions. Final loan decisions are made at your local 1ˢᵗ Franklin Financial office and are based on a variety of factors, including your credit history, payment history and ability to make monthly payments.
1st Franklin Financial offers loans up to $15,0001.

Get Started

Your personal loan is waiting.

Get funds within hours of approval ²

Apply Now