If I call during business hours, will I talk with a “live” representative or with an automated answering service?

1FFC is licensed in AL, GA, KY, LA, MS, SC, TN, TX, and VA.

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 1^st Franklin Financial cannot be used for post-secondary educational or vocational expenses; to purchase securities; for business purposes; gambling or illegal purposes. 1^st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. 1^st Franklin Financial Corporation is licensed by the Virginia State Corporation Commission, CFI-215.