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Hello, you’re in the right place.

Key Credit Corporation and Omega Financial Services are now 1st Franklin Financial

We’re glad you’re here.

With more than 330 1st Franklin offices throughout Georgia, Alabama, Tennessee, Louisiana, Kentucky, Mississippi, South Carolina, and Texas, we’re not far from home offering loans to our neighbors for over 80 years.

A few things you’ll want to know:

  • Your loan’s account balance and payment terms are not changing
  • The 1st Franklin office is in the same location as your former lender
  • Same friendly faces are there to help, just a new name on the door
How to Make this Your Best Financial Year Yet by Learning About Money

Next Steps

  • Be on the lookout for your welcome letter and first statement.
  • If you had an online account with your prior lender, you’ll need to set up a new one with 1st Franklin. Your new account number will be on your welcome letter in the upper right corner. Register your account here.
  • Help us stay in touch, be sure to provide a valid email address for your file.

Personal Loans that help you do life!

We take a genuine interest in our customers and provide a level of service that has made us known as the Friendly Franklin Folks. We look forward to serving you.


  • Fixed Rates
  • Quick Approvals
  • Personal Service
  • Flexible Terms
  • Loans up to $15,000*
  • Affordable Payments

Our process is quick and easy

Step 1

Apply for a loan

You can start your application online, over the phone or at your local 1st Franklin Financial branch. If you apply online, we will contact you within 2 business days. Online applications submitted during non-business hours will be reviewed the next business day.
Apply Now

Step 2

Visit a branch

After your initial approval, you’ll meet with a 1st Franklin Financial representative to discuss rates and terms, and complete your application. You’ll need to provide a few documents to secure your loan. We have put together a checklist to help you prepare.  See Checklist

Step 3

Receive Funds

After you review and accept your loan terms, you’ll sign your loan documents and get your money. You could have the money you need as soon as the next day. In some cases, in only a few hours!**

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