1st Franklin Financial Reviews

I applied for a loan 2/6/2026 at 9am in the morning. I was told that my loan was being worked on so they said they will call me. 2 hours passed no word. So I called back again around 1 pm. They told me that they working on my loan but again no answer. I called again around 4pm and explained that I worked on Monday and I wouldn’t be able to come down to sign paperwork. No answer. Called back and a representative told me, "I’m sorry. It was nothing that I could do." My thoughts are why did it take so long for an answer. Yes I have derogatory items on my credit but it was over 4 years ago. I am also a local banker but I was extremely disappointed in the customer service. I felt that customer service no matter how short staffed you are should have been more professional. This happened in Augusta Ga on WASHINGTON Road.

I paid every month. No late fees. Nothing! And they denied me getting the same loan that I had already paid off..... I absolutely would not recommend this company especially the Crossville office. The customer service was horrible.....

But, a typed letter from an employer, from any department, could be easily manufactured, and even verified way too easily. Any assumptions as to why are confusing, even laughable. A very strange red flag, or just an outdated process perhaps. I have no ill will towards the company, or any desire to continue doing business with them as a result.

I am beyond grateful today; Today I pay my loan back and Mr. Mike made sure I understood the company and the goals and mission. When I tell you, trust 1st Franklin Financial. Not only will they help you focus but you can invest in trusting an awesome company. I am never weary; my payment is easy and I can maintain. I can also apply again and can get another loan as long as my account is in good standing. Wow!!! High five!! To 1st Franklin this has got to be the best financial institution in Georgia!

Let me begin by saying, I pay my bills on a weekly basis (One payment divided into 4) rather than monthly. Some months may have 5 weeks rather than 4, so I'm that far ahead. I am constantly called twice, sometimes three times a day, regarding payment not being what the contract states. (They have not figured it out yet, that however they receive it, it will be the amount as contracted...

This branch has some unprofessional or some individuals working here lacking knowledge of policies and their own disclosures. My brother is now deceased, but had a loan with them personally with nobody else listed as a reference or joint owner of the loan, so just because they knew my mother had a loan with them by herself as well, they contacted her discussing his account. I contacted other sources to file a complaint because this goes against their company policies and is listed in their own company's disclosures. It doesn't matter if you personally know a person who has a loan at your place of business or you know a relative, you don't disregard policies and disclosures. That should definitely be a reason to either re-educate or terminate an employee, because there's no telling how many people they have done this to.

I have nothing but good to say about First Franklin of Tupelo, Ms. They have been so easy to work with, never badgering me if I had to be a little late. The staff has always been so courteous and friendly. I have paid off two loans with them and may call on them again.

Great place and people, gave me hope when I had just about turned away. She was fast, did not waste time and I received a $25.00 ref fee. (Cummings Ga) I would recommend as many people as I can as long as they pay it back! Thank you

1st Franklin Financial is the Absolute Greatest!!! Miss **, I Thank You so much!!! All of the staff in the Gulfport office are so helpful and friendly. They made me feel like family, only better. I Recommend them 110%!!! THANK YOU

With their new online system, customers can no longer access their statements. They will no longer mail statements due to the expense, even if requested by customer. Customer can not only not view, download, print statements on the NEW system, but they cannot see how a payment is applied, a breakdown of what is due, or new balance, nothing about the loan. It gives a payment amount due, even if the amount is for the next payment which isn't due for weeks, and presents it as past due.

Horrible customer service. Specific the location in Stockbridge, Georgia. A bunch of racist ** women with disgusting nasty attitude who doesn’t care about their customers. I’ll never refer anyone to that location. They need a change in management and definitely staff.

This company does not allow you to make principal only payments, even if you've paid the full monthly payment with interest already that month. I've NEVER had a loan where this was the case. Seems illegal. You can't make large payments online. They will not provide you with a payoff amount unless you go into the bank in person. This is 2024. I would never recommend anyone to this bank.

1st Franklin bought out my loan from Westview. It was a bit of a choppy transition, but after reaching out to the branch, we got online access updated. Three months later, they sent a letter stating they were changing their website and people would need to re-enroll again. Ok, fine...but every time I contact the branch, the website is down with no ETA, and their systems are either down at the branch. I spoke with a rep today and, of course, after I give my bank account info, they suddenly aren't able to take payment that way. And I now have to pay a late fee because their systems aren't working. Very, very frustrating experience thus far.

This is the worst experience and I’m glad to give my business to a competitor. Angie stated she would call me back in an hour. Well the next day…still no call. That’s pathetic. I called only to find out she wouldn’t be back until the next day. The lady was as bad.

First they locked me out of online account as soon as it was created. After contacting them they finally unlocked it for 1 payment then the account was locked again. Contacted again to unlock account and refused to accept any payment from anything other than the bank account the loan was deposited into. Preventing me from making any additional payments. Now, after multiple refused attempts to pay there is a legal hold on my bank account that would prevent me from getting even a penny from my next 4 paychecks.

I have had a loan with them before and had no issues. I got another loan with them and opted in for the insurance protection in case something was to happen the payment would be taken care of. I broke my wrist and was out of work. When the payment that month came due I paid them and told them about my injury. I went a couple of weeks later and got the paperwork (which was a lot). My doctor, my employer and myself had to fill out papers. I don’t know why they couldn’t just use my FMLA.

The customer service representative was very nice. She also helped me in every way she could. The environment and other staff members were also very friendly and welcoming. I will absolutely use this business further.

I have been a 1st Franklin customer for 10 plus year, the manager and staff have always been friendly, and helped me achieve financial goals from small loans, to my mortgage. I can't imagine how I'd succeeded without, this great group, and kind words. Renee, Sasha, and the friendly, representatives, thanks for all you do.

I am so impressed with the level of professionalism of the team at that location. The follow-up calls and when I visited the Branch, they made me feel welcomed and explained all the steps of the process. Above it all, the entire transaction was completed within 30 minutes. Great job guys.

My husband and I needed some repairs around the house. We called and gave them our info over the phone, then had an appointment the next morning to sign the paperwork. Very easy and very professional!!! Great people!!!

I was homeless but my God Dad let me stay with him for a spell and I was sent a loaner check for $1500 and something cent from 1st Franklin Financial Bank without applying for it. So I just had secured a job where I am now. Once I moved into my own place I put my kids in a daycare with the loan's check after I cashed it at Regions Bank. I made a few payments on time or whatever and a few weeks after the first 3 months of paying them I was struggling because I don't get paid till the end of every month and book the hammer dropped. Me and kids was in a car accident. The man total my car. He hit me from the back. I went to hospital and all during the second wave of the pandemic. I didn't have a car. I was unable to go to work because I have a 1yr old and a 3yr old.

My agent was Corey and he had great customer service. He explained everything to me without a problem. I would recommend First Financial and the agent Corey. He was very professional and answered any questions I had.

Chris **, the area supervisor, provided me with exceptional customer service. I was furloughed due to COVID, so he, along with Rhonda **, the Lake Charles branch manager, helped me modify my existing loan. This made my monthly payments more manageable. Chris was polite, courteous, professional, patient, a great listener, and showed me that he genuinely cares about my situation. Also, he contacted me right away and did not hesitate to start helping me. Not many places have this level of customer service. Needless to say, I will return to First Franklin for future loans.

This loan company is a good place to get a loan but the interest is a little high. But the loan company sometimes will work with you and will help you to get a loan. Overall this is a good place to get a loan. The people are nice and are very helpful. The people are always ready to help you when you need it. They only take cash and checks. They do not take debit cards yet. They start out with a loan of 500. This is a good loan company if you want to start a loan.

The staff here are remarkable & exceeded all my expectations. Very understanding and reliable. They didn’t judge me off of my poor credit history and that was a plus. Highly recommended! Go apply now!!

My husband and I have been banking at First Franklin Financial Corporation in Toccoa, GA for over 50 years. The employees are always very helpful and knowledgeable. When we need help filling out forms and other transactions, they are always available. You don't talk to a machine and get transferred from one department to another when you call like most other businesses. You talk to a real live person who is very friendly and is happy to assist you. Also, you aren't put on hold for what seems like an hour.

By far the easiest loan company to deal with. They treat you like a respected customer during the process of the loan and even afterwards when you have to call in that you are going to be late on your payment. Have been a customer/client for several years now and have never had a bad experience with the Greenwood, SC office or employees. My goal is to be debt free but I know if I have an emergency 1st Franklin is there to help!

I can always count on them to get back to me swiftly each time I have applied for loans and they are fast and friendly each time I go on to make payments. I would recommend this company to anyone seeking loan assistance.

This company will only bait you in to apply, say that you are pre-approved to deny you. I applied for a unsecured premier loan on 10-22-2019, and spoke with Jaimini **. She was able to look at my credit file to see my Equifax credit score was 785, and told me I was approved for up to $10,000 for a unsecured premier loan. She was being all nice at first, and told me to email her all of my documents. I emailed proof of my address, checkstubs, bank statements, and my identification. She told me that they only give a maximum of $5,000 at the location, and since it was over $5,000 I was requesting it would need to be sent to the regional manager. She told me that the manager would send all of my information to the regional manager, and I would hear something by the end of day. I called 3 hours after applying, and Jamini told me that they haven't heard back from the regional manager.

You should not change the rule in the middle of a loan. Have been with you all for years and want to stay but not if you change the rules in the middle of a loan and will not tell any one to get a loan from you all!!!!

I have been a customer with 1st Financial for quite some time and never had a problem paying my loans. Well I have ran on some hard times and I have been threaten with a law suits and legal action. I informed them that they sent me a live check and I never came in and asked for the loan. However this is the 2nd live check I've had and I've always paid on time. I have been harassed, belittled and treated like this doesn't happen to everyone. I WILL NEVER do business with them again.

The people at 1st Franklin Financial were very helpful with providing me the money that I needed to catch up on a few bills. I didn't feel judged or out of place when I went in there. They were also very kind and gave me what I needed. I would definitely recommend them to my friends and family.

Well my name is Andrea. My credit was not greatest in the world due bad money management on my part. I went to them. They took a chance on me with a a starter loan. They worked with me when I couldn't make my payments on time due illness, hospital stays or just simply being out of town. They work with me. They showed me compassion. Eventually I was able to pay them off. I recently went back for a another loan due to death in the family. They got me taken care of and out the door in no time. My experience with them has been a great one. Everyone attitude was warm, friendly, even the manager Bill was good to me. I appreciate the way they do business. I am grateful that they took a chance on me. I would recommend them to anyone who needs help. Thanks again to 1st Franklin located on Main Street in Summerville. Bill And Donna you're the best.

Had several loans with this company. The info given at the time of loan did not comply with the payoff. Take 90 days to report to credit bureau. I question this problem and was rudely told for my information it would not help my score. This is incorrect and was told that the loan would help my credit. All payments were made on time. Just know who you are dealing with. Thanks.

What happen in in my first 6 months. I made 1 payment late. 1 only. What they did is rolled the late fee over to the next month whether you made your next whole payment or not. I did not look at the later fee charged over and over. So after 8 years I decide to pay them off and ask for a payment history. When I looked it could not believe it, LOOK IT UP ONLINE pyramid scheme. I ask about it. Said it is normal what they have. ON THAT LOAN THEY GOT ME FOR OVER $1,800 FOR 1 late fee.

I have been a customer with the branch of Alexandria Louisiana and I have nothing but good things to say everyone that works in that office. The branch manager is Stephani ** and I must say that they make me feel like more than just a monthly customer. I feel like family to them and the experience of being a customer of theirs make me feel happy to be there. They care so much that I’m even able to give them good news on personal issues in my life. I am happy to be a part of the 1st Franklin family.

I had been with this 1st Franklin for years. Loans for over 4000.00 as long as I had good credit. After my credit score dropped I could no longer get any money from them. I never left the company owed any money. Couple days ago I asked for a loan of 350.00. I was so hurt. 350.00. My credit needs help n. But it's not all that bad. Thanks for turning me down 1st Franklin.

First Franklin Financial Philadelphia MS, has helped me rebuild my credit. Very professional and kind staff. I will continue to use them for my financial needs in the future. If you want good service and honesty give them a call. Thanks so much.

My husband passed away, never received a letter or anything. He had a loan with 1st Franklin. They never sent a letter or a certified letter. They told me they couldn’t reach out to family members once someone dies. Also said they couldn’t contact his reference. They came and reported his vehicle. I was willing to pay his debt in full without a fuss. FF made it nasty, just took the car. I asked if they could leave til the next morning, they would not work with me at all. I paid the remaining balance and they had the nerve to tell me if I had enough to catch up the loan that would be good. I paid it in full and will advise anyone to leave FF alone but they sent a certified letter to let me know there was a box of Kleenex, some paper towel, a small flashlight and a phone clip that didn’t belong to them. They are a very dirty nasty bunch of people, all of that could have been avoided. Bad business.

I have used 1st Franklin for years now. Very good experience each time. Nice & very friendly service in Aiken SC. I will continue using them for small loans. Application is very easy and they are very straightforward when going in the office.