1st Franklin Financial
Muscle Shoals

1st Franklin Financial Muscle Shoals

4.7 out of 5.0full starfull starfull starfull starhalf star
42 Reviews
4.7 out of 5.0full starfull starfull starfull starhalf star
42 Reviews
Closed Today Open 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 WeekHours
MondayClosed
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.
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!
Frederickson's Tire and Appliance
(256) 383-7992
See Offers
Longshore Cycle Center
(256) 764-3038
See Offers
Shoals Outdoor Sports - Florence
(256) 389-8150
See Offers
Shoals Outdoor Sports - Tuscumbia
(256) 389-8150
See Offers
Watson's Home Furniture
(256) 386-1911
See Offers
Jamie Hood Jewelers
(256) 381-6889
See Offers
Grogan Jewelers By Lon
(256) 764-4013
See Offers
Comfort Expert Heating & Cooling
(256) 810-0488
See Offers

Recent Reviews

4.7 out of 5.0full starfull starfull starfull starhalf star
1 Star
2 Star
3 Star
4 Star
5 Star
Leave a Review
5 out of 5full starfull starfull starfull starfull star
Apr 16, 2022
Wonderful women to deal with. There good with any question you have and always hands on and very professional
Kendrick M
5 out of 5full starfull starfull starfull starfull star
Feb 3, 2022
Great group of ladies always willing to go above and beyond to help me with whatever I need. And very respectful.
Sana w
5 out of 5full starfull starfull starfull starfull star
Feb 3, 2022
Great customer service and super helpful.
Emily G.
5 out of 5full starfull starfull starfull starfull star
Feb 3, 2022
1st Franklin has been soo good to me & my family. Thank you Guys!
tristan nelms
5 out of 5full starfull starfull starfull starfull star
Feb 3, 2022
Great customer service and great bunch of people
Tina, A
5 out of 5full starfull starfull starfull starfull star
Oct 30, 2021
as a new customer how do I go about cashing a new check.
janice wright
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 5full starempty starempty starempty starempty star
Dec 31, 2020
I was actually a customer at the Florence location. But they took my review down and blocked me because the don’t want anyone to know how wrong they are! Well not sure why my last review got took down so quickly. So let me just post it again. I ran into hard times just like everyone this year. Even was deathly sick with COVID-19! I understand all the phone call I received from the company but coming to my home harassing me was uncalled for! Plus the man they send to my home was not even an employee of theirs. How scary is that??
Tara, J
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 5full starfull starfull starfull starfull star
Nov 4, 2020
Great customer service the employees were all cheery and attentive.
Courtney, A
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 5full starfull starfull starfull starfull star
Nov 4, 2020
Great customer service and very helpful
Tina A
Thank you for your kind review, Tina!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Nov 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
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 5full starempty starempty starempty starempty star
May 19, 2020
Worst ever, never going back. Hope they will be out off business soon.
Bj
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 5full starfull starfull starfull starfull star
Apr 10, 2020
Great friendly customer service!!
Shannon R.
Friendly service is our commitment to you, Shannon!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Apr 10, 2020
Great customer service. Everyone is always so friendly!!
Shannon R.
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 5full starfull starfull starfull starfull star
Mar 8, 2020
Great customer service
Amanda F.
Come visit us soon. You can count on every one of us doing our best!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 7, 2020
Great Customer Seevice, Great People, Great Atmosphere, and Professionalism. I recommend 1st Franklin to all that need a loan.
Joshua P.
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 5full starfull starfull starfull starfull star
Mar 7, 2020
Great people to work with. Super friendly and professional.
Rodney B.
Friendly service is our commitment to you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 7, 2020
They are always there when I need them, and so super friendly and helpful!!!😁
Molly M
Words do not suffice to express how grateful we are for your review.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
great service
Tammy D.
We are glad to know your experience was positive.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
THEY ARE PROFESSIONAL AND LOOKING AFTER OUR BEST INTEREST.
Gregory H.
We are hard at work to make our business the business of choice for those who appreciate service excellence.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
I have always received excellent service from your staff. They have always been very knowledgeable, helpful and accommodating.
James H.
We look forward to your next visit and will once again work hard to earn your endorsement.
Response from 1st Franklin Financial