1st Franklin Financial
Muscle Shoals
Muscle Shoals
1st Franklin Financial Muscle Shoals
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
320 W Avalon Avenue
Suite 2
Muscle Shoals, AL 35661
US
(256) 381-6635(256) 381-6635
Serving Muscle Shoals since 1996!
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 | 8:30 AM - 5:30 PM |
| Friday | 8:30 AM - 5:30 PM |
| Saturday | Closed |
| Sunday | Closed |
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 at Branch
Stop by one of our branches during normal business hours for faster service.
Learn MoreIf 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!
In some cases, only in a few hours!
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.
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.
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!
Recent Reviews
4.7 out of 5.0
1 Star
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5 out of 5
Jul 14, 2022
5 out of 5
Apr 16, 2022
5 out of 5
Feb 3, 2022
5 out of 5
Feb 3, 2022
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Feb 3, 2022
5 out of 5
Feb 3, 2022
5 out of 5
Oct 30, 2021
Hi, Janice! We're so happy to have you as a new customer. Please give our office a call at 256-381-6635 during business hours.
Response from 1st Franklin Financial
1 out of 5
Dec 31, 2020
Thank you for your feedback, Tara. We do not have the capability to delete reviews unless they violate community guidelines, such as using profanity. We also cannot block someone from leaving a review. We do not send representatives to anyone's home to collect debt, so are you sure that you have the correct company? Please contact our Quality Assurance Department at 1-800-700-7943 to speak to someone from our Quality Assurance.
Response from 1st Franklin Financial
5 out of 5
Nov 4, 2020
Hello, Courtney! We're happy to hear you received great customer service at our Muscle Shoals office.
Response from 1st Franklin Financial
5 out of 5
Nov 4, 2020
Thank you for your kind review, Tina!
Response from 1st Franklin Financial
5 out of 5
Nov 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.
Response from 1st Franklin Financial
1 out of 5
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.
Response from 1st Franklin Financial
5 out of 5
Apr 10, 2020
Friendly service is our commitment to you, Shannon!
Response from 1st Franklin Financial
5 out of 5
Apr 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.
Response from 1st Franklin Financial
5 out of 5
Mar 8, 2020
Come visit us soon. You can count on every one of us doing our best!
Response from 1st Franklin Financial
5 out of 5
Mar 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.
Response from 1st Franklin Financial
5 out of 5
Mar 7, 2020
Friendly service is our commitment to you.
Response from 1st Franklin Financial
5 out of 5
Mar 7, 2020
Words do not suffice to express how grateful we are for your review.
Response from 1st Franklin Financial
5 out of 5
Mar 6, 2020
We are glad to know your experience was positive.
Response from 1st Franklin Financial
5 out of 5
Mar 6, 2020
We are hard at work to make our business the business of choice for those who appreciate service excellence.
Response from 1st Franklin Financial