First Franklin Financial Search
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.
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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
Ginger Herring elected chair of 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.”
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1st Franklin Financial - 75 Years Strong