1st Franklin Financial
Athens

1st Franklin Financial Athens

4.2 out of 5.0full starfull starfull starfull starempty star
25 Reviews
4.2 out of 5.0full starfull starfull starfull starempty star
25 Reviews
Open Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 1:30 PMOpen Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 5:30 PMClosed Today Closed Today
22083 US Highway 72
Suite Q
Athens, AL 35613
US
(256) 233-4200(256) 233-4200
Serving Athens since 1992!

Hours:

Day of the WeekHours
Monday8:30 AM - 5:30 PM
Tuesday8:30 AM - 5:30 PM
Wednesday8:30 AM - 1:30 PM
Thursday8:30 AM - 5:30 PM
Friday8:30 AM - 5:30 PM
SaturdayClosed
SundayClosed
Personal loans at the speed of life.
When you find yourself in need of financial help, we offer personal loans with flexible terms to fit any budget so you can get back to what really matters — living your life.
  • Quick approvals
  • Fixed payments, fixed rates
  • Loans up to $15,000*

Apply Now

Getting the cash you need is fast and easy. We have three ways to apply to make things simple and convenient for you.

Apply via Phone

Talk to one of our loan specialists one on one over the phone to get started.

(833) 689-5626(833) 689-5626

Apply Online

Apply anytime and we’ll start your loan process the next business day.

Apply Now

Apply at Branch

Stop by one of our branches during normal business hours for faster service.

Learn More
If you need immediate assistance, call or visit a branch.
You could have the money you need to get everything back on track the same day.
In some cases, only in a few hours!
Frequently Asked Questions
What documents do I need to apply for a 1st Franklin loan?
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As part of the process, we will need a few documents to secure your loan. You’ll need valid identification, such as driver’s license, social security card or birth certificate, proof of address such as utility or phone bill, voter registration card or mortgage statement, and verifiable income such as paystub, tax return or bank statement.
What loan amounts do you offer?
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1ˢᵗ Franklin Financial offers loans up to $15,000.
Can I qualify for a loan if I have a low credit score?
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If you have a low credit score, we can still help. We make loans to fit just about any budget.
How long does it take to get approved?
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Approvals are done right at the branch, so you can get your money fast. Sometimes in the same day.
How is a 1ˢᵗ Franklin Financial loan different from a payday loan?
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1ˢᵗ Franklin Financial is not a payday lender nor do we 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.
Our Local Dealers
We proudly offer select financing at the dealers listed below. Please be sure to check out their sites and support your local community!
Robin Rents Equipment
(256) 883-9312
See Offers
Dixie Auto Parts
(256) 232-8811
See Offers
Mechanical Electrical Wholesale Supply, Inc.
(256) 232-8456
See Offers

Recent Reviews

4.2 out of 5.0full starfull starfull starfull starempty star
1 Star
2 Star
3 Star
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5 Star
Leave a Review
5 out of 5full starfull starfull starfull starfull star
Oct 27, 2022
Great experience
Regina C
1 out of 5full starempty starempty starempty starempty star
Aug 22, 2022
I applied again last week. I didnt get a call back till today 5 days later. I had to call them. They first said i could get the loan and after they found out i didnt have a brand new car that i could use for collaterral they just denied me. Worst customer service place ever. If you aint got a pocket full of money and a new car then not the place to go. They wont get back with you and then even after i gave them my bank statement showing i had over 31000.00 in deposits since febuary and all my creditors names and numbers they still didnt call or do anything but go on the fact that i wasnt rich and owned a Maserati. Im talking to some friends that are dealer partners to pull out and customer service is a joke they tell you to call them and they dont do anything either. What a joke and waste of time for someone really needing a loan
Larry wayne copeland
Thank you for your comments regarding your recent experience with our Athens, AL office. We have shared your feedback with the Branch Manager and Regional Director. If you would like to speak to someone about your experience, our Quality Assurance Department would be happy to assist you. Please give them a call at 1-800-700-7943.
Response from 1st Franklin Financial
1 out of 5full starempty starempty starempty starempty star
Jul 14, 2022
Just an absolute train wreck. They would not help my friend. Larry copeland and just kept him in limbo waiting from monday instead of calling him back and just acted like it was to hard for them to call anybody to check if he pays his loans from other people. I would never use them for anything and i got exceptional credit
Festus
Thank you for your feedback. We have responded to Mr. Copeland's review.
Response from 1st Franklin Financial
1 out of 5full starempty starempty starempty starempty star
May 19, 2022
Terrible people. Terrible customer service. Terrible all around experience
Larry copeland
We are very sorry to hear that you had a terrible experience with our Athens branch. Please contact our Quality Assurance Department at 1-800-700-7943, if you would like to speak to a representative from our Corporate Office.
Response from 1st Franklin Financial
1 out of 5full starempty starempty starempty starempty star
Apr 27, 2022
Never again
Christina S
Hello, Christina. We’d like to hear more about your situation to see if we can make things right. If you wouldn’t mind giving our Quality Assurance Department a call at 1-800-700-7943, we’d love to speak with you.
Response from 1st Franklin Financial
1 out of 5full starempty starempty starempty starempty star
Aug 2, 2021
I will never us this company again! There is supposed to be a 10 day grace period an they charge a late fee even if its within those days! They only have one way to pay unless u let the into ur bank info which I wouldn't do cause they'll take there money early! So if u work outta state an dnt pay on day they harass u everyday till u get there even if its within the 10 days! And make sure u keep receipts cause they also accused me of missin payments which I had proof they still acted as if it was my fault they screwed up not me! An the interest on any loan is very high!
Lee C
Hi, Lee. We are disappointed to hear about your experience with our Athens office and would like to discuss it with you offline due to privacy concerns. Please call our Quality Assurance Department at 1-800-700-7943 at your convenience.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Friendly staff. Always helpful
Sean B.
Thank you for taking the time out of your busy schedule to review our business.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
They are the very best.. always so professional and helpful!
Joyce B.
We are thankful for your time and your willingness to write a review to let us know how we are doing.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Customer service is great! Everyone is very friendly and helpful.
Joshua B.
We wanted to take a moment to thank you for telling us more about your experience with us.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 5, 2020
Great customer service. They all are a pleasure to work with.
Charlotte S.
Thank you for your review,
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Always friendly employees and great customer service.I definitely would recommend this company to my friends and family.
Bradley P.
Everyone here takes pride in what we do, and it is through feedback like yours that we renew our commitment to always trying our best.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Staff is always pleasant! Glad to have the financial services when needed.
Veronica D.
We are so glad we were able to help you. Helping our customers is what we love best.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great customer service! Been dealing with them for about 15 years and never have a problem
Amanda W.
We will always try our best to provide you with the best service possible.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great people
Robert N.
Thank you so much for taking a few moments to let us know how we are doing.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
So far the service has been very much up to par.
Leonard A.
We are so grateful for your feedback!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Staff is always pleasant to work with
Samone B.
We know that you have options and we are very happy you chose to do business with us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Always friendly, helpful, great people
Diane A.
We believe that business is all about people and the greatest compliments we can receive are those that highlight the commitment of our staff to deliver the best possible service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Good customer service with the peoples.never problems with me.
Maria L.
We know that you have options and are pleased that you selected us and proud to have served you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Always friendly staff. Willing to help with any of your needs.
Larry Y.
Our goal is to provide customers with superior service that exceeds their expectations.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great
Christopher M.
We are ever so grateful for your review!
Response from 1st Franklin Financial