1st Franklin Financial

1st Franklin Financial Reviews

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Overall Rating4.3 out of 5
See all 47 reviews & ratings

About 1st Franklin Financial Reviews

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 & Cons


    • Quick approval time
    • No penalty for early payment
    • Fixed rates and payments


    • No interest rate info on website
    • Only available in eight states

    Bottom Line

    1st Franklin Financial is a personal loan provider operating in eight states. The company offers loans up to $15,000 with fixed rates and payments and no prepayment penalties. You’ll have to visit a local branch for rate info.

    1st Franklin Financial Reviews

    ConsumerAffairs has collected 47 reviews and 96 ratings.

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    Page 3 Reviews 40 - 240

    Reviewed July 21, 2016

    When going to this company I expressed to them I was rebuilding my credit and wanted to make sure they report to the major credit bureaus. I was told, twice, they do and they had a sign in the office stating they do. It has been several months and nothing has been reported. Upon calling the corporate office I was told that two years ago it was an executive decision to suspend reporting!!! I told the rep I was just told a few months ago that you report! In her sweet rehearsed voice she repeats her speech to me, saying that possibly by the end of the years they will again report! I AM PAYING 26% INTEREST TO BUILD MY CREDIT WHICH YOU ARE NOT REPORTING! I must say to their good the workers in the Stockbridge Ga. office are nice but nothing irritates me more than to know I am getting nowhere on building my credit! Looking for someone to buy my loan!!!

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    Reviewed May 20, 2016

    We accepted a loan from 1st Franklin to help offset some of our Christmas costs. When we ran into some financial troubles early in the year, this resulted in some late payments to our creditors. From week one of being late, I received at least 4 calls per day, and when I could finally reach out to 1st Franklin, I was told that after I was a month behind, that they were moving to collections. I tried to resolve this with customer service and management, I was met with unprofessional behavior and a very judgmental attitude. I was told that they could move an account to collections even a payment is ONE DAY LATE!

    This information was brought to me in what I felt was a very threatening manner. I am Customer Care Coordinator for a local engineering manufacturer and if I addressed any of my customers this way, I would have been fired immediately, regardless of whether the customer was on-time or late with their payments! If you find that you absolutely have to apply for a loan, stay away from this company! If you even fall a little behind, you will be met with several calls daily and lawsuit threats. I know that I should have taken better care of this account, but this company's staff behavior (specifically the management) is WAY beyond unacceptable. Maybe they should try to take in account that there are some good people that just run into bad situations sometimes. Exploiting your customer's misfortunes is really not going to good for your business.

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    Reviewed Dec. 10, 2015

    When I got my $1,000.00 loan approved I had to agree to paying auto damage coverage, which was an additional $1000 plus. Something happened to my car where I had to file a claim. It took over 4 months for the check to get sent to the company to fix my car. Never again will I ever use 1st Franklin Financial Corporation. I do not recommend anyone to get a loan from this company. I have gone through too much with them.

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    Reviewed July 2, 2015

    I've been with First Franklin for over two years. I was in the hospital and was late on my payment. They called me at work and told me I had to make the payment on or before Tuesday the 30th. I explained that I was getting paid the next day on the 1st and would happy to pay then. She told me that no I couldn't do that and they would start the paperwork to turn over the account. I had a liver transplant in 09 and had to go to Emory University hospital because I was rejecting the organ. They didn't want to hear that and did t want to wait overnight until I was paid. I am very disappointed. Since being a customer for as long as I've been I thought they could wait one day.

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    Reviewed May 11, 2015

    I paid off my loan almost 4 months ago. I've been calling the local branch for 2 months to find out why it's still on my credit report. They claim to have issues reporting to the Bureau. I called the corporate office and ** told me they are doing their audit which could take months before they report my updated information! I have never heard of this before. I will never get a loan with them again!

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    Reviewed May 5, 2014

    Manager at local office made numerous calls to a third party instead of contacting me then told third party she couldn't tell him what it was concerning. It was a privacy issue. But decided today she could indulge all info.

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    Reviewed July 22, 2008

    interest rates are to high! i want to refinance!

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    1st Franklin Financial Company Information

    Company Name:
    1st Franklin Financial