Search Investment Center Login (833) 689-LOAN Apply Now Need a Loan? Why Us Find a Branch Customer Stories Frequently Asked Questions Choose a Neighbor and a Lender Friendly Franklin Folks NORTH GREENVILLE TEAM Why us? Because we care. 1st Franklin Financial Corporation is in the business of helping our friends and neighbors make their way through life with the dignity and respect they deserve. We’re not a payday lender and we don’t offer loans secured against a customer’s next paycheck. We offer customers short and long term installment loans with payment plans that fit each customer’s need. Today, with over 320 loan offices throughout Georgia, Alabama, Tennessee, Louisiana, Mississippi, South Carolina, and Texas, we continue to offer personal loans and financial solutions so our customers can reach their goals and get back to living. Clear Terms No hidden fees, no surprises. Just simple fixed rates, fixed payments, and no penalties for prepayment. Family Run with over 80 Years Experience Since 1941, we have worked in local communities across the southeast to provide financial solutions for our customers and their families. Same-Day Money You could have the money you need to get everything back on track the same day. In some cases, in only a few hours! A lot has changed in the 80 years since 1st Franklin Financial opened it’s doors, but one thing hasn’t – our commitment to the communities we serve. What We Believe Over 80 years and counting It’s been over 80 years since our founder Ben F. Cheek, Jr., made his first $34 loan. Since then, we’ve worked with generations of families to provide them with the funds they need when they need them the most. Our customers know us, but more importantly, we know them. While times have changed since 1941, our commitment to our customers remains the same. 1940's 1950's 1960's 1970's 1980's 1990's 2000's + 1940's In 1941, Ben F. Cheek, Jr. made his first auto loan for $34 from his law office in Toccoa, Georgia. Learn More More than just a good lender. We’re a good part of the community. At 1st Franklin Financial, we are committed to extending goodwill through our branch locations. We feel strongly about supporting the communities where we live and work. Giving Back We not only support worthy local charities like homeless shelters and food banks, but also national organizations such as the American Cancer Society, American Heart Association, United Way, March of Dimes, St. Jude Children’s Research Hospital, Susan G. Komen Foundation, the U.S. Armed Forces, and more. Team Spirit While we believe in supporting our communities, we believe in having fun while doing it! From 5K’s to costume contests for a cause, the 1st Franklin team enjoys building team spirit while helping others. Youth Play 1st Franklin Financial is proud to support many youth sports and community initiatives that foster the values of teamwork and sportsmanship. Health & Wellness We believe that healthy employees are more fully engaged and happy. We try to encourage healthy behaviors in the hope that they become healthy habits. Our employees continue to embody the spirit of giving by providing their time, money, and attention to those who need it most in the six states we call home. 1st Franklin Community News 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.