Search Investment Center Login (833) 689-LOAN Apply Now Need a Loan? Why Us Find a Branch Customer Stories Frequently Asked Questions Personal loans at the speed of life. Nelvin C. SATISFIED CUSTOMER We’re the Friendly Franklin Folks. We put people first and will be there when you need us. Every chapter of life can include unexpected expenses. When you find yourself in need of financial help, we offer personal loans with flexible terms to fit any budget so you can get back to what really matters – living your life. Quick approvals Fixed payments, fixed rates Loans up to $15,000* With over 320 1st Franklin offices throughout Georgia, Alabama, Tennessee, Louisiana, Mississippi, South Carolina, and Texas, we’re not far from home offering loans to our neighbors for more than 80 years. Personal loans fast, friendly and easy. Getting the funds you need when you need them is what we do, and we’ve been doing it for over 80 years. We make borrowing easy. No runaround, no surprises. STEP 1 Apply for loan STEP 2 Visit a branch to discuss your loan and options STEP 3 Receive Funds If you need a loan, call, stop by or apply online today. The Friendly Franklin Folks can help you get started. Apply Now Learn More Real people with real stories Customers have a lot to say about being in the 1st Franklin family. Nelvin C. SATISFIED CUSTOMER Hannah L. SATISFIED CUSTOMER Marty G. SATISFIED CUSTOMER John C. SATISFIED CUSTOMER See more testimonials from right around the corner and all over the southeast. View All Customer Stories Investments Retail Sales Financing Contact Us Corporate Headquarters 135 E. Tugalo Street, P.O. Box 880 Toccoa, GA 30577 (706) 886-7571 Find a branch Community Involvement Blog Financials Sitemap Policies and Disclaimers Privacy Policy Online Privacy Policy SC Board of Financial Institutions License SC Department of Consumers Affairs License SC Maximum Rate Filing SC Credit Maximum Rate SC Consumer Rights Brochure Copyright © 2012-2021 1st Franklin Financial Corporation All Rights Reserved. *Not all applicants will qualify. Approval depends on applicants ability to meet our credit criteria for a Premier Loan (including annual income, debt ratios, and credit history). Repayment terms of 18, 24, 36, 48, and 60 months area available. For a loan of $3,650 with a 36 month repayment period, an interest rate of 19.81%, a $109.50 origination fee and an APR of 21.99%, the borrower will make 36 monthly payments of $139.37. The maximum APR is 21.99%, fees and interest rates vary by state. Premier loan availability is limited to current and former premier loan customers, for a limited time. Contact your local branch for more details. 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. Active duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral. Any offers referenced here do not apply to residents of North Carolina.