Search Investment Center Login (833) 689-LOAN Apply Now Need a Loan? Why Us Find a Branch Customer Stories Frequently Asked Questions Need a Loan? We Can Help. Loans up to $15,000* Life comes at you pretty fast. And sometimes you need a loan to flatten out the bumps. We get it. A personal loan from 1st Franklin might be just what you need to tackle a home repair, cover a medical expense or simply consolidate your debt. A fixed rate loan with set monthly payments can be the smart way to get back on track. We’re here to help you do life. Step 1 Apply for loan Step 2 Visit a branch to discuss your loan and options Step 3 Receive funds STEP 1 Apply for a loan Beginning the loan process is simple. You can start your application online, over the phone or at your local 1st Franklin Financial branch. Apply Now If you apply online: In most cases we will contact you immediately, but will assuredly be in touch within two business days. If you submit your loan application during non-business hours, your application will be reviewed the following business day. STEP 2 Visit a branch to discuss offers After your initial approval, you’ll have a face to face meeting with your 1st Franklin Financial associate to discuss rates and terms, and complete your application. What to bring with you: As a part of the application process, you’ll need to provide a few documents to secure your loan. We have put together a checklist to help you prepare. View 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! Getting the cash you need, could be one conversation away. Start your application online and let us help you get back to life. APPLY NOW Get premier rates with Premier Loans Our Premier Loans are offered to customers who have done an excellent job in protecting their credit. These loans, up to $10,000, often have a lower interest rate with affordable monthly payments. Ask your 1st Franklin Financial associate if a Premier Loan is right for you. What could you use a loan for? Debt consolidation Unexpected expenses Home improvement Wedding planning Holiday expenses New baby Divorce or separation Real people with real stories Customers have a lot to say about being in the 1st Franklin family. Evelyn G. SATISFIED CUSTOMER Murchus G. SATISFIED CUSTOMER Vanessa J. SATISFIED CUSTOMER Mark P. 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.