1st Franklin Financial Reviews

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About 1st Franklin Financial

1st Franklin Financial offers personal loans up to $15,000. Its loans feature fixed rates and payments and no prepayment penalties. Its services are available only in select states nationwide, though it does have over 300 offices in its service area. You can choose between short- and long-term installment plans.

Pros
  • Quick approval time
  • No penalty for early payment
  • Fixed rates and payments
Cons
  • No interest rate info on website
  • Only available in eight states

Featured Reviews

Taylors, SC
Verified purchase
When I talked to the Manager... I'm not really sure if I can be approved but after she explain to me all the rules and requirement... I'm so glad I got all the information and qua...

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Little Rock, MS
Verified purchase
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 y...

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What is 1st Franklin Financial?

1st Franklin Financial is a family-owned company that’s provided personal loans for more than 80 years. It promises no hidden fees or other surprises and offers straightforward fixed rates and payments with no penalties for early payments.

1st Franklin also provides investment services and retail sales financing. With retail financing, you can make payments straight to the company to simplify the process. 1st Franklin finances electronics, jewelry, furniture, appliances and more, and it currently operates in eight states in the Southern U.S.

1st Franklin Financial loan services

1st Franklin Financial offers traditional installment loans with no hidden costs or other surprises. You can apply for a loan online, over the phone or in person. If you apply online, you’ll likely get a reply almost immediately (within two business days at max).

Regardless of how you apply, the approval will take place in person, so you’ll have to visit your local branch to finish the application. There, an associate will explain your loan rates and terms. You’ll need documents like a valid ID, proof of address and proof of income to complete the process. Once you agree to your terms, your money will be on its way; in some cases, funds arrive in your account in a few hours or the next business day.

1st Franklin Financial interest rates

1st Franklin Financial doesn’t list information about interest rates on its website, which can make shopping around more challenging. Several factors determine your interest rates, including your credit history, term length, employment status and debt-to-income ratio. Interest also depends on the size of your loan.

1st Franklin offers personal loans up to $15,000. The company’s Premier personal loans come through the U.S. Bank and are available up to $10,000. According to the website, this type of loan has a lower interest rate than standard personal loans.

1st Franklin Financial FAQ

Where is 1st Franklin Financial available?

1st Franklin Financial is available in Alabama, Georgia, Kentucky, Louisiana, Mississippi, South Carolina, Tennessee and Texas.

Does 1st Franklin Financial offer personal loans online?

You can apply for a personal loan on the 1st Franklin Financial website. From there, the application is transferred to your local branch, where final loan decisions are made.

What’s the maximum loan amount 1st Franklin Financial offers?

The maximum amount depends on the type of loan. Premier loans range up to $10,000, and standard personal loans are available up to $15,000.

What can I use a 1st Franklin Financial personal loan for?

Personal loans from 1st Franklin Financial can be used for home or auto repair, medical expenses, weddings, debt consolidation and more. They cannot be used for post-secondary or vocational uses.

Is 1st Franklin Financial a good lender?

1st Franklin Financial is available in just eight states in the South. If you’re in its service area, it’s a solid lender worthy of your consideration. There’s no information about its interest rates online, but 1st Franklin Financial implies this is due to the personal nature of these loans. When shopping for a personal loan, it’s important to look around to find the best rates for you — overall, 1st Franklin Financial is a good option for personal loans in the Southeastern U.S.

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1st Franklin Financial Reviews

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    How do I know I can trust these reviews about 1st Franklin Financial?
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    Page 1 Reviews 0 - 6
    Refunds & PayoutsStaffBillingLoan Process

    Reviewed Nov. 21, 2025

    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!

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    Customer ServicePunctuality & SpeedStaffLoan Process

    Reviewed May 27, 2025

    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.

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      Punctuality & SpeedRefunds & Payouts

      Reviewed April 26, 2025

      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

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      Staff

      Reviewed April 17, 2025

      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

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      Profile pic of the author.
      Customer ServicePunctuality & SpeedLoan Process

      Reviewed Dec. 30, 2025

      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.....

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      Punctuality & SpeedStaff

      Reviewed Nov. 28, 2025

      Staff is great. Dealing with them is a pleasure, and questions are answered thoroughly well. Process is fairly simple and fast. The negatives are just laughable at best. Established payroll company documents, along with many other forms of verifiable proof through modern applications are not accepted, which is odd at best.

      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.

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      Customer ServiceCoverageTechRefunds & PayoutsBilling

      Reviewed Nov. 19, 2025

      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...

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      TechStaffBillingLoan ProcessHonesty & Transparency

      Reviewed Aug. 11, 2025

      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 just informed my mother to be honest with this branch no matter who it is that she doesn't have any knowledge of anything and would prefer to only be asked about her account and nothing else. My brother had a joint bank account with his estranged wife, we don't see her, know where she is, or how to get in touch with her. By law, once someone is deceased, the social security administration upon notification will force bank accounts to be closed. If that is where the check was deposited, cashed, or set for payment to come out, and there is not an Executor of Estate, a will, or collateral placed for the loan, there's nothing anyone else can do or be threatened for. Please stop contacting family members of deceased individuals that are not listed as a reference or joint owner of a contract.

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      Customer ServicePunctuality & SpeedStaffBillingLoan Process

      Reviewed Jan. 31, 2025

      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.

      The Bainbridge office was cleaned out of the best team they have had in 15 years, with all knowledgeable employees who were pleasant and helpful to customers, even if they could not fulfill a customer's wishes. They were never condescending, patronizing, or rude. Service was prompt, within the day they could give an answer, offer suggestions, make a loan, renew a loan, whatever the request was concerning.

      Now, there is an employee who is extremely condescending, rude, and spiteful... If you report her behavior and call with questions or requests, she puts you off telling you she has 6 ahead of you or 5 ahead of you----dragging it out for 3-5 days and will not let you speak to manager, telling you manager is busy or out of the office.

      Her attitude is like that with everyone and there is a growing social media chat group concerning the loss of helpful and knowledgeable employees (because of a misogynistic racist, bitter employee out for revenge because he didn't get the job he wanted). I will neither do business with or recommend them in the future. The end of nearly 25 years of doing business with them. There is no number to call to complain about an office or employee. Like the post office, if you have a complaint about an office, your only avenue is to complain the office. Calling an area supervisor is no more productive, nor is filing a complaint online. They do not respond.

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      Customer ServiceStaff

      Reviewed Nov. 26, 2024

      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.

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      1st Franklin Financial Company Information

      Company Name:
      1st Franklin Financial
      Website:
      www.1ffc.com