Branch Locations
1st Franklin Financial
Muscle Shoals
Muscle Shoals
1st Franklin Financial Muscle Shoals
4.7 out of 5.0
4.7 out of 5.0
Open Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 1:30 PMClosed Today Open Today: 8:30 AM - 5:30 PMOpen Today: 8:30 AM - 12:30 PMClosed Today
320 W Avalon Avenue
Suite 2
Muscle Shoals, AL 35661
US
(256) 381-6635(256) 381-6635
Hours:
| Day of the Week | Hours |
|---|---|
| Monday | 8:30 AM - 5:30 PM |
| Tuesday | 8:30 AM - 5:30 PM |
| Wednesday | 8:30 AM - 1:30 PM |
| Thursday | Closed |
| Friday | 8:30 AM - 5:30 PM |
| Saturday | 8:30 AM - 12:30 PM |
| Sunday | Closed |
Our Services
For over 75 years, we have been helping people “do life.” This may include assisting with the expenses that come with a wedding, a new family addition, the remodeling of a home or some unexpected expense. While life can cost money, we are always here to help.
At 1st Franklin Financial, we offer loans up to $15,000 so you can enjoy that vacation, get back on track, get ahead, and continue doing what you like best in life!
Interested in a personal loan, debt consolidation or our Premier Loans? Let us help.
At 1st Franklin Financial, we offer loans up to $15,000 so you can enjoy that vacation, get back on track, get ahead, and continue doing what you like best in life!
Interested in a personal loan, debt consolidation or our Premier Loans? Let us help.
Frequently Asked Questions
What documents do I need to apply for a 1st Franklin loan?
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?
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 – Minimum Loan Amount: $1,000
State: GA – Minimum Loan Amount: $1,250
State: LA – Minimum Loan Amount: $1,000
State: MS – Minimum Loan Amount: $600
State: SC – Minimum Loan Amount: $1,000
State: TN – Minimum Loan Amount: $1,000
Can I qualify for a loan if I have a low credit score?
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?
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?
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.
About 1st Franklin Financial Corporation
1st Franklin Financial Corporation is in the business of helping our friends and neighbors make their way through life with the dignity and respect they deserve. Since 1941, we have worked in local communities to provide financial solutions for our customers and their families.
It’s been over 75 years since our founder Ben F. Cheek, Jr., made his first $34 loan; since then we’ve worked with generations of families to provide them with the funds they need when they need them the most. Today, with more than 300 loan offices in six states, we continue to offer personal loans and financial solutions so our customers can reach their goals.
It’s been over 75 years since our founder Ben F. Cheek, Jr., made his first $34 loan; since then we’ve worked with generations of families to provide them with the funds they need when they need them the most. Today, with more than 300 loan offices in six states, we continue to offer personal loans and financial solutions so our customers can reach their goals.
Recent Reviews
4.7 out of 5.0
(35 Reviews)5.0 out of 5.0
November 4, 2020
Great customer service the employees were all cheery and attentive.
Courtney, A
Response from 1st Franklin Financial
November 4, 2020
Hello, Courtney! We're happy to hear you received great customer service at our Muscle Shoals office.
5.0 out of 5.0
November 4, 2020
Great customer service and very helpful
Tina A
Response from 1st Franklin Financial
November 4, 2020
Thank you for your kind review, Tina!
5.0 out of 5.0
November 2, 2020
They have a great management!! Absolutely great! And they are very easy to work with and very easy to get a loan.
Harley, G
Response from 1st Franklin Financial
November 2, 2020
We are so grateful for your feedback! Thank you so much for taking a few moments to let us know how we are doing.
1.0 out of 5.0
May 19, 2020
Worst ever, never going back. Hope they will be out off business soon.
Bj
Response from 1st Franklin Financial
May 19, 2020
We would like to apologize for your disappointment with our Muscle Shoals office. If you would like to discuss your review, please contact our Quality Assurance Department at 1-800-700-7943. Representatives are available Monday through Friday, 8:30am to 5:00pm EST.
5.0 out of 5.0
April 10, 2020
Great friendly customer service!!
Shannon R.
Response from 1st Franklin Financial
April 10, 2020
Friendly service is our commitment to you, Shannon!
5.0 out of 5.0
April 10, 2020
Great customer service. Everyone is always so friendly!!
Shannon R.
Response from 1st Franklin Financial
April 10, 2020
Hi, Shannon! 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.
5.0 out of 5.0
March 8, 2020
Great customer service
Amanda F.
Response from 1st Franklin Financial
March 8, 2020
Come visit us soon. You can count on every one of us doing our best!
5.0 out of 5.0
March 7, 2020
Great Customer Seevice, Great People, Great Atmosphere, and Professionalism. I recommend 1st Franklin to all that need a loan.
Joshua P.
Response from 1st Franklin Financial
March 7, 2020
We will pass along your comments to our team. It is words like these that keep us motivated to deliver top-notch service.
5.0 out of 5.0
March 7, 2020
Great people to work with. Super friendly and professional.
Rodney B.
Response from 1st Franklin Financial
March 7, 2020
Friendly service is our commitment to you.
5.0 out of 5.0
March 7, 2020
They are always there when I need them, and so super friendly and helpful!!!😁
Molly M
Response from 1st Franklin Financial
March 7, 2020
Words do not suffice to express how grateful we are for your review.
5.0 out of 5.0
March 6, 2020
great service
Tammy D.
Response from 1st Franklin Financial
March 6, 2020
We are glad to know your experience was positive.
5.0 out of 5.0
March 6, 2020
THEY ARE PROFESSIONAL AND LOOKING AFTER OUR BEST INTEREST.
Gregory H.
Response from 1st Franklin Financial
March 6, 2020
We are hard at work to make our business the business of choice for those who appreciate service excellence.
5.0 out of 5.0
March 6, 2020
I have always received excellent service from your staff. They have always been very knowledgeable, helpful and accommodating.
James H.
Response from 1st Franklin Financial
March 6, 2020
We look forward to your next visit and will once again work hard to earn your endorsement.
5.0 out of 5.0
March 5, 2020
Great customer service, great group of people to work with for your financial needs. Will highly recommend!!
Courtney H.
Response from 1st Franklin Financial
March 5, 2020
We are extremely grateful for your review!
5.0 out of 5.0
March 5, 2020
Cindee Oliver was so very helpful during our house buying experience. We went in to it blind not knowing much about the process. She was always there to completely explain every detail for us. Always quick to respond to our questions as well! Overall a great experience for us and we are already referring her and the First Federal team to friends looking to buy their first home.
William S.
Response from 1st Franklin Financial
March 5, 2020
We recognize that the core of our business is our customers. With that in mind, we pride ourselves on having staff that is passionate about what they do.
5.0 out of 5.0
March 5, 2020
I Drive all the way from Odenville Alabama to use this store.
Michael B.
Response from 1st Franklin Financial
March 5, 2020
Know that we are thankful for the trust you have placed in us.
5.0 out of 5.0
March 5, 2020
Super friendly and helpful staff
Jeremy M.
Response from 1st Franklin Financial
March 5, 2020
We are working extra hard to always push ourselves to deliver the best possible service!
5.0 out of 5.0
March 5, 2020
SUPER helpful, friendly folks!!
Molly M.
Response from 1st Franklin Financial
March 5, 2020
We are looking forward to your next visit!
5.0 out of 5.0
March 5, 2020
Provided just what I needed at just the right time.
Marsha M.
Response from 1st Franklin Financial
March 5, 2020
Thank you for giving us a try!
5.0 out of 5.0
March 4, 2020
Great customer service always been greeted with a smile and just all around awsome people
Bradley Y.
Response from 1st Franklin Financial
March 4, 2020
We know that you have options and we are tremendously happy you picked us.
Displaying 1 out of 20 reviews