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1st Franklin Financial
135 E. Tugalo St.
Toccoa, GA 30577
States Licenses: 1FFC is licensed in AL, GA, KY, LA, MS, SC, TN, TX, VA, and FL.
1 All loan terms and applicable APRs 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. Loans for MLA covered borrowers may not be available in all states. Loan proceeds obtained from 1st Franklin Financial cannot be used for post-secondary educational or vocational expenses; to purchase securities; for business purposes; gambling or illegal purposes. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. 1st Franklin Financial Corporation is licensed by the Virginia State Corporation Commission, CFI-215.
2 To receive same day approval and funding, the customer must provide all information requested to complete an application, including verifying documentation, by noon.
3 Get your prequalified offer from 1st Franklin Financial, without hurting your credit
4 Our Rates and Terms
Qualified borrowers will see loan options for 15-60 month loan terms.
Period for Repayment = 15 – 60 months Loan Amount = $3,500 & Above Maximum APR = 35.99%
Example Payment Schedule*
| Loan Amount | APR | Term | Monthly Payment | Total Cost |
|---|---|---|---|---|
| $3,600 | 35.99% | 24 Months | $212.55 | $5,101.20 |
*This Example Payment Schedule is based on an average customer with good credit. The loan terms you receive will depend on your credit profile, including credit history, income, debts, and the ability to provide collateral. Not all applicants will qualify. Contact your local branch for more details.
3 You authorize 1st Franklin Financial Corporation (1FFC) to pull credit from one or more Consumer Reporting Agencies for the preapproval of a personal loan. A soft inquiry will be posted on your credit report and will not affect your credit score. If your application is approved and accepted, a hard inquiry will be required.
4 This is not a commitment to make a loan. Not all applicants will qualify for larger loan amounts or most favorable loan terms. Loan approval and actual loan terms depend on your state of residence and your ability to meet credit standards, including responsible credit history, sufficient income after monthly expenses, and availability of collateral. Additional restrictions may apply.