Resource Center

Resources for Financial Wellness

The learning center is your hub to find answers to your financial questions, plus helpful articles, checklists, and loan calculator.

Estimate payments, pre-qualify with confidence, and take control of your loan journey — all with a few simple clicks.

Personal Loan Calculator

Discover what your loan could look like

Just enter a loan amount, click “calculate” and adjust the Annual Percentage Rate (APR) for instant examples. APR represents the annual cost of a loan as a percentage, which take interest and other fees into account.

This calculator provides an approximation. Your actual payment will be determined upon approval

Enter your desired loan amount

APR is usually higher than the interest rate. It includes fees and other charges, as well as interest.

This calculator is provided only for educational purposes. 1st Franklin Financial does not guarantee the accuracy or applicability of the calculators to your circumstances. The calculators are not intended to provide financial, insurance, tax, or legal advice.

Estimated Monthly Payment

Adjust the APR:

25 %

Use the (-) and (+) or slider to see how the APR affects payments.

$5,000

$6,000

$7,000

$8,000

$9,000

24 mos.

$267

$320

$374

$427

$480

36 mos.

$199

$239

$278

$318

$358

48 mos.

$166

$199

$232

$265

$298

60 mos.

$147

$176

$205

$235

$264

Loan Checklist

Get Ready to Apply

Valid Identification

First, we’ll need to confirm your identity. To do that, we’ll need two proofs of valid ID from the list below.

Primary Documents

U.S. Driver’s License

U.S. State Issued ID

U.S. or Foreign Passport

Military or Federal Gov’t Employee ID

Alien Registration Card (Green Card)

U.S. Issued Border Crossing Card

U.S. Visa

Secondary Documents

Social Security Card

U.S. or Foreign Voter’s Registration Card

U.S. Employment Authorization Card

University/College ID

Medicaid, Medicare or other health insurance card

Utility Bills

Proof of Address

In order to complete the loan application process, we will also need to confirm your address. To prove your address, please provide one of the documents below when you come into a branch.

Utility Bill (less than 90 days old)

Copy of Real Estate Property Title

Valid Gov’t or State ID

Copy of Real Estate Property Tax Bill

Valid Driver’s License

Copy of Lease Agreement

Vehicle Registration

Medical Bill (less than 90 days old)

Copy of Voter Registration Card

Bank Statement (less than 90 days old)

Verifiable Income

Finally, we will need to verify your income. Please provide one of the documents below so we can finalize the loan amount you will qualify for.

Paystub

Government Documentation

Bank Statement or Bank Records (minimum of 6 months of statements within a 12 month period from the date of application)

Written Income Verification from Employer (less than 60 days old)

Tax Return or W-2

Frequently Asked Questions

Our Most Common Loan Questions

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.

Yes, we do check your credit score. When you complete an application for a 1st Franklin Financial personal loan, there are a number of things we review when making a credit decision.

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. The online application is not the full application, and other info will be required to receive an approval. 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! ²

Yes, you can make your payment at any conveniently located 1st Franklin Financial Branch.

Yes. Customers that create an Online Services account with 1^st Franklin and opt into ESIGN Consent and enroll to receive E-Statements. Then a user can elect to have an email sent notifying them their statement is ready for review in our Online Services portal.

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