Holidays can add up. That’s where we come in. 

Don’t let your breaks break the bank — get the extra cash you need. 

Estimate your monthly payment

What could you fund?

Celebrations and special occasions should be enjoyed without financial worry. Whether it’s gifts, travel, or hosting loved ones, flexible funding can help you cover extra expenses and keep the focus on making lasting memories.

  • Celebrate the season without financial stress.
  • Fund travel, gifts, parties, and festive traditions.
  • Cover costs from decorations to dream getaways.

Our Benefits

Why choose a personal loan from
1st Franklin Financial?

Stress-Free Holidays

Cover gifts, travel, and celebrations without draining your savings.

Travel Made Simple

Fund your flights, gas, or hotel stays with ease.

Gift Giving Covered

Buy thoughtful gifts now, repay on a schedule that works.

Quick & Simple Approval  

Avoid high-interest credit cards with a short-term loan.

Stay on Budget

One fixed payment helps keep holiday spending in check.

Make Memories

Enjoy the holidays without financial worry hanging over you.

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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
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What could a personal 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.

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A personal loan designed to help cover seasonal often short-term costs.
Gifts, travel, decorations, and holiday events are a few examples.
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