1st Franklin Financial
Cullman

1st Franklin Financial Cullman

4.8 out of 5.0full starfull starfull starfull starfull star
16 Reviews
4.8 out of 5.0full starfull starfull starfull starfull star
16 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
2015 Cherokee Ave SW
Suite D
Cullman, AL 35055
US
(256) 739-4488(256) 739-4488
Serving Cullman 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. Our Premier Loans are available up to $10,000. Minimum loan amounts vary by state. State: AL, LA, MS, SC, TN, TX – Minimum Loan Amount: $1,000 State: GA – Minimum Loan Amount: $1,250
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!
Doug Doggett Jewelers
(256) 734-7883
See Offers
S and H Tire and Services
(256) 735-4300
See Offers
The Sports Center
(256) 734-7636
See Offers

Recent Reviews

4.8 out of 5.0full starfull starfull starfull starfull star
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5 out of 5full starfull starfull starfull starfull star
Apr 9, 2021
Great customer service alway there when you need them. Great group of associates. Would highly recommend 1st Franklin.
Susan S
We are delighted to have had the opportunity to serve you, Susan! We can't thank you enough for your kind review.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Jun 1, 2020
Great people
Jessica B.
Thank you for your review!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 23, 2020
Excellent. People are friendly and helped me when I called. I love that you send a statement and envelope to make your payment.
Vackie H.
Thank you for your kind words and for giving us a high five for all that we do. It is truly nice to know that our efforts are paying off.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
great customer service! the best ive had so far!
Angie R.
WOW! Reviews like this fuel our hearts and make us try better every single day.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Always willing to help.
Kathy H.
Helping our customers is what we love best, Kathy!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Customer Friendly. Really easy to talk to. They really try to help you.
Donna S.
We hope to become one of your favorite companies to do business with. Do let us know what we need to do to earn your continued loyalty.
Response from 1st Franklin Financial
3 out of 5full starfull starfull starempty starempty star
Mar 4, 2020
Online payment is miserable
Sharon H.
We apologize for any inconvenience our Online Services has caused you. Please give our office a call, and they'll be happy to look into your online issues for you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Easy pmt on phone.
Janet B.
We are happy to offer a convenient payment option to you, Janet!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great people to work with Linda The Branch Manager is the reason I use 1st Franklin
Tim S.
Our staff is constantly looking for ways to do all that we do in ways that delight every single customer that gives us a try.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Excellent customer service
Angela M.
We are so delighted you took the time to try us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
The service is outstanding as well as the loans.
Tony H.
Know that we are here to serve you and will always try our best.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Sep 5, 2019
The company was available when I need a loan
Deborah K.
We are so glad that we could be there for you!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 5, 2019
Excellent team. Customer service is amazing.
Mark M.
We are so happy to see that our Cullman office provided you with great customer service!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 4, 2019
Very good customer service
Marsha P.
Thank you for your review!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 4, 2019
Everyone was absolutely amazing at this branch, especially Ms.Linda Bibb. Thank you all so much for helping us in a time of need. Would definitely use them again in the future if needed.
Christopher L.
Thank you for your kind review of our Cullman staff member!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 4, 2019
Great service. Will definitely use them again.
William L.
We know that you have options and we are very happy you chose to do business with us.
Response from 1st Franklin Financial