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1FFC Blog

Wherever you are on life’s journey, 1st Franklin Financial is here to help you navigate the ups and downs and get you closer to your financial goals. We have useful financial resources and information from our skilled team to set you on a path toward a prosperous financial future.

Education Articles

Good Debt vs. Bad Debt

What is “Good Debt” vs. “Bad Debt” and what makes them different? Millions of Americans each day use debt, which can be defined as money borrowed from one party to another, to pay for a wide range of products and services. Whether you have a car loan, a home mortgage, or a credit card –…

8 Questions You Should Ask Before Taking Out a Personal Loan

Through the course of life, there are times you may need additional money beyond your expected monthly take-home pay.  The reality is – life costs money. Even the best planners can find themselves in a position where they need extra funds. Whether you’re trying to cover an unexpected expense, planning to consolidate debt, or preparing…

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…
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.