1st Franklin Financial
Muscle Shoals
1st Franklin Financial Muscle Shoals
4.6 out of 5.0full starfull starfull starfull starhalf star
36 Reviews
4.6 out of 5.0full starfull starfull starfull starhalf star
36 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
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
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.

Recent Reviews

4.6 out of 5.0full starfull starfull starfull starhalf star
1 Star
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5 Star
Leave a Review
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
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great customer service, great group of people to work with for your financial needs. Will highly recommend!!
Courtney H.
We are extremely grateful for your review!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 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.
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.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
I Drive all the way from Odenville Alabama to use this store.
Michael B.
Know that we are thankful for the trust you have placed in us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Super friendly and helpful staff
Jeremy M.
We are working extra hard to always push ourselves to deliver the best possible service!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
SUPER helpful, friendly folks!!
Molly M.
We are looking forward to your next visit!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Provided just what I needed at just the right time.
Marsha M.
Thank you for giving us a try!
Response from 1st Franklin Financial