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 A very strange red flag, or just an outdated process perhaps.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.