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FAQS

What loan amounts do you offer?

1st Franklin Financial offers loans from $300 up to $15,000. Our Premier Loans are available up to $10,000.

Can I apply for a loan online?

You can begin the application process electronically by clicking the “Apply Now” button.  One of our staff members will contact you 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.

How long does it take to be approved for a loan?

If you apply online, your application will be transferred to your local 1st Franklin Financial office where the loan decision will be made. One of our staff will contact you to discuss your loan and options. If approved, you could have the money you need as soon as the next day. If you submit your loan application during non-business hours, your application will not be viewed until the following business day. In some cases, approval is only hours away!

What are the loan office hours of operation?

1st Franklin Financial loan offices are open from 8:30 am to 5:30 pm Monday, Tuesday, Thursday and Friday, and 8:30 am to 1:30 pm on Wednesday. We are also open for special Saturday hours during the Christmas and holiday season.

Will I be able to call and leave a message after business hours?

Yes, you may call the Investment Center after hours at 800-282-0709 and leave your name and number. One of our Investment Center staff members will contact you the following business day.

What are the Investment Center hours of operation?

The Investment Center, located at 135 E Tugalo St, Toccoa, GA 30577, is open Monday – Friday 8:30am to 5:00pm. On Saturday, our Drive-thru is open from 8:30am to 12:00pm.

Will I be able to manage my 1st Franklin Investment account online?

Yes! You may sign-up for Online Investment Services by clicking the “Account Login” link located at the top right of any page. Once registered, you may manage your Investments, view your history, make transfers between any of your Senior Demand Notes, view your online statements, and more!

Is 1st Franklin licensed to sell Investments in all states?

We are licensed to sell Variable Rate Subordinated Debentures to residents of Georgia and South Carolina and Senior Demand Notes to Georgia residents only. Commercial Paper may be bought by residents of any state.

How do I make an Investment?

We make the process easy! Simply call us at 706-886-7571 or 800-282-0709, and one of our Investment Center staff members will provide the information you need. Sales of Investments are made by Prospectus only and are strictly regulated. Therefore, purchases are not available online and you must speak with one of our representatives. That way, you can feel secure in the decision you make.

What is the minimum/maximum amount that can be financed?

We offer financing on items from $300 to $15,000.

What type of items do you finance?

1st Franklin Financial finances all types of items including jewelry, furniture, appliances, lawn equipment, storage buildings, wheels and tires, computers, electronics and more!  Certain exclusions apply, so call the location nearest you for complete details.

Do you offer after hour approvals?

With the Decision Power and DEALS programs, you can submit credit applications over the weekend or after office hours, improving your customer service. Decision Power is available 17 hours a day, from 7:00 am to 12:00 am (EST & CST) and DEALS is available 24 hours a day seven days a week.

Does the customer make payments at my business location or 1st Franklin Financial? 

Customers will make their payments directly to 1st Franklin Financial relieving you of any work. Customers can easily make payments online, at our location or through the mail. The choice is theirs.

How long does it take to get an approval?

Automated approvals are available, and applications that are not instantly approved are referred to the local branch where it is reviewed with you to provide the best possible financial solution.

What is the interest rate or APR (annual percentage rate) on a loan from 1st Franklin Financial? 

The interest rate and the APR on your loan will depend on the type of loan you get, the amount and the repayment terms. Contact your local branch office and our staff will be happy to discuss interest rates and loan options available to you.

Will the loan interest rate stay the same throughout the life of the loan?

Every loan from 1st Franklin Financial has fixed rates, which means your rate will not change for the entire term of your loan.

What is an installment loan?

An Installment Loan is a loan that is paid back over time with a set number of affordable scheduled payments. Installment loans also have a fixed rate. The term of the loan could be as little as a few months or much longer. At 1st Franklin, there’s no penalty for early payoff.

How is a 1st Franklin Financial loan different from a payday loan?

1st Franklin Financial is not a payday lender nor do we offer loans secured against a customer’s next paycheck. We offer customers short and long term installment loans with payment plans that fit each customer’s need.

I don’t want to receive mailings from 1ˢᵗ Franklin Financial. How do I stop them?

It’s easy. Simply complete this removal request form. Include the name and address exactly as it appears on the mailing you received. Please allow 8 weeks for your name to be removed.

Can I email my local office for information?

No. Due to strict privacy regulations, we are unable to communicate your personal loan information via email. This is done to protect your sensitive personal information. Please call or stop by your local office to discuss your loan.

Can I receive my statement through email?

No, but you can login to your account and view your account activity.

1FFC Blog

Resource Links

Budget for Success

Attaining and maintaining financial strength and stability begins with a complete understanding of your income and expenses. The easiest way to achieve that is by creating a budget. A budget will help you increase your cash flow, reduce or eliminate your debt, create/maintain a savings plan and set a timeframe for achieving your financial goals.…

Minimize Your Risk of Identity Theft

Identity theft is a growing crime which leaves behind long-lasting financial and emotional scars. While you can’t guarantee that you’ll never become a victim of identity theft, you can minimize your risk with a few simple steps. Protect your Social Security number (ssn). Only give out your social security number when necessary and never keep your…

Installment Loans For Bad Credit – A Way To Rebuild Credit?

Life throws us curveballs all the time. At one point, bad luck, poor choices or unfortunate circumstances may have landed your credit score on the lower end of the scale. While there are several credit scoring systems, the most popular is the FICO score which is used by the big three credit reporting agencies (Equifax,…

Planning For Smart Holiday Spending

The countdown to the holidays is officially on! And while it’s the season of love and giving, it’s important to remember that holiday debt is the gift that keeps on taking – potentially all year long if you’re not careful. Don’t let holiday spending take on a life of its own this year. With a…

Saving Money on School Supplies

The end of Summer means the end of carefree days for your kids and that dreaded dent in your wallet as you buy this year’s school supplies. Most school systems have experienced budget cuts over the last few years and parents are being asked to provide even more as part of their child’s school supply…

The Power of Price Match Guarantees

Convenience has become a big factor in how people make their purchase decisions, but often that means paying a premium on some items in return for one-stop shopping. Unfortunately, saving money usually requires you to travel from store to store, trying to take advantage of their extra-special offers that are meant to get you in…

News

Donation Made to Camp Rain in Decherd, TN

This past week, employees from our branch in Tullahoma, TN visited Camp Rain, located in Decherd, Tennessee. The Camp Rain mission is to minister Christ to all ages, while introducing them to the great outdoors. Our Tullahoma branch, as well as our Winchester branch, donated not only financially, but also left some frisbees, cups, fans and cases of water for the campers and counselors this summer. This donation will support children who otherwise may not have a chance to attend Camp Rain. Our donation presenter was the daughter of our Tullahoma Branch Manager, Haley, who hopes to be a counselor at Camp Rain this summer.

Donation Made to Warrior Bonfire Program

Recently, 1st Franklin Financial Corporation made a donation of $50,000 to the Warrior Bonfire Program in Clinton, MS. The Warrior Bonfire Program caters to Purple Heart Veterans through a communication therapy system. The program arrange trips comprised of small groups of veterans throughout the year to various parts of the country. The veterans are encouraged to…

Ginger Herring elected chair of AFSA

Ginger Herring, President and CEO of 1st Franklin Financial Corporation, was recently elected Chair of the American Financial Services Association (AFSA) at the association’s 101st Annual Meeting last week in Washington, D.C. During her one-year term, Herring will preside over the AFSA Board and Executive Committee meetings, serve as an ex-officio member of all AFSA…

1st Franklin Financial Opens Office in Savannah, TN

1st Franklin Financial President and CEO Ginger Herring recently announced the opening of a new 1st Franklin Financial office in Savannah, TN. “We are very excited to have this new office open to meet the needs of our customers in this area of Tennessee.” The address for the new 1st Franklin office is 1800 Wayne Road, Suite D, Savannah, TN 38372-5150. The telephone number is (731) 925-0031.

1st Franklin Financial is known for its customer care within the financial services industry. Herring continues, “We take time to get to know our customers and their families. Even before the team from 1st Franklin goes into a new city or town, plans are being drawn up about how the company can become a part of the community and support those who live, grow, and play there each day.

“We look forward to becoming a part of new communities and working together to build strong relationships with both the people and the community at large. There is no place like being in a hometown community, and we understand this and seek ways to support area growth at every level.”

Since 1941, 1st Franklin Financial Corporation has had one goal — to serve the financial needs of friends, families, and neighbors. With over 309 loan offices in six states, the company continues to provide personal loans to their customers. 1st Franklin Financial provides personal loans that have a fixed interest rate throughout the life of the loan.

1st Franklin Financial offer loans for auto repairs, home improvements, or debt consolidation. Herring says, “We offer Retail Sales Financing to help our local small businesses grow. Whatever the need, we can answer our customer’s loan questions and help them find the right solution.”

1st Franklin Financial Title Sponsor for T-Shirts for Turkeys

For the fifth year in a row, 1st Franklin Financial was the Title Sponsor for The Joy FM’s (FM 91.5) T-Shirts for Turkeys, a promotion which helps to fill up food pantries that provide a holiday meal for hungry families. This year the radio station kicked off its annual T-Shirts for Turkeys promotion on November…

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Videos

Get to know 1st Franklin Financial Corporation | Serving the Financial Needs of our Community

What Do Our Customers Say about 1st Franklin Financial?

At 1st Franklin Financial, We're In the Business of Helping Your Business!

1st Franklin Financial - 75 Years Strong

Policies & Disclaimers

Invitation to Apply: Present/Former, Archive Former, Prospect Non-Guarantee and Streamline

Updated 6/15/18

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.

Customer Referral

Updated 6/15/18

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.

Web/Social Media

Updated 6/15/18

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.

Holiday Direct Mail includes CAD, Deferred Payment SC, GA, AL, TN, LA, MS

Updated 6/20/18

OFFER: 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.

DEFERRED PAYMENT: Additional charges will apply.

CAD: No purchase necessary to enter or win. Void where prohibited by law. Must be at least 18 years of age (19 years of age in Alabama) to enter. You may enter by completing the 1st Franklin Financial Corporation Official Entry Form. One entry per person. 1st Place Prize – One winner per 1st Franklin Financial branch location will be chosen by a random drawing. 1st Place Prize Drawings will be held at each 1st Franklin Financial branch location on (Date). Grand Prize – Eight winners will be chosen by a random drawing of all entrants (including any 1st Place Prize winners) on (Date) at the corporate headquarters in Toccoa, Georgia. You do not need to be present to win. Grand Prize not to exceed $350. 1st Franklin Financial Corporation employees and their families are not eligible to win. Full contest rules available at www.1ffc.com.

Holiday Direct Mail includes CAD, Deferred Payment MS ONLY

Updated 6/20/18

OFFER: 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.

DEFERRED PAYMENT: Additional charges will apply.

CAD: No purchase necessary to enter or win. Void where prohibited by law. Must be at least 18 years of age (19 years of age in Alabama) to enter. You may enter by completing the 1st Franklin Financial Corporation Official Entry Form. One entry per person. 1st Place Prize – One winner per 1st Franklin Financial branch location will be chosen by a random drawing. 1st Place Prize Drawings will be held at each 1st Franklin Financial branch location on (Date). Grand Prize – Eight winners will be chosen by a random drawing of all entrants (including any 1st Place Prize winners) on (Date) at the corporate headquarters in Toccoa, Georgia. You do not need to be present to win. Grand Prize not to exceed $350. 1st Franklin Financial Corporation employees and their families are not eligible to win. Full contest rules available at www.1ffc.com.

CAD Entry Forms

Updated 6/20/18

No purchase necessary to enter or win. Void where prohibited by law. Must be at least 18 years of age (19 years of age in Alabama) to enter. You may enter by completing the 1st Franklin Financial Corporation Official Entry Form. One entry per person. 1st Place Prize – One winner per 1st Franklin Financial branch location will be chosen by a random drawing. 1st Place Prize Drawings will be held at each 1st Franklin Financial branch location on (Date). Grand Prize – Eight winners will be chosen by a random drawing of all entrants (including any 1st Place Prize winners) on (Date) at the corporate headquarters in Toccoa, Georgia. You do not need to be present to win. Grand Prize not to exceed $350. 1st Franklin Financial Corporation employees and their families are not eligible to win. Full contest rules available at www.1ffc.com.

1st Franklin Financial Corporation Privacy Notice

1st Franklin Financial Corporation Online Privacy Policy

Contests

No purchase necessary to enter or win. Void where prohibited by law.  Must be 18 years of age (19 years of age in Alabama) or older to participate.  You may enter by [specific contest instructions].   One entry per person.  One winner will be chosen based on [specific way in which winner is chosen].  Winner will be chosen on [date].  You do not need to present to win.  1st Franklin Financial Corporation employees and their families are not eligible to win.  Full contest rules are available at each 1FFC branch and online at www.1ffc.com.

89518 Mobile Terms & Conditions

Program Description
The program sends subscribers reminders, account notices, updates, and offers from 1st Franklin companies.

  • To opt-in, Text PAYPRO to 89518.
  • Msg frequency varies by acct/preference. Message and Data Rates May Apply.
  • To opt-out, Text STOP to 89518. An opt-out confirmation message will be sent back to you.
  • To request support, Text HELP to 89518 or email us at support@solutionsbytext.com
  • Carriers are not liable for delayed or undeliverable messages

Solutions By Text Privacy Policy


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