1st Franklin Financial
Troy
1st Franklin Financial Troy
4.8 out of 5.0full starfull starfull starfull starfull star
18 Reviews
4.8 out of 5.0full starfull starfull starfull starfull star
18 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
1113 US Hwy 231 S
Suite B
Troy, AL 36081
US
(334) 566-9866(334) 566-9866
Serving Troy since 1994!

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

4.8 out of 5.0full starfull starfull starfull starfull star
1 Star
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5 out of 5full starfull starfull starfull starfull star
May 17, 2021
Hillary Peoples is fantastic she’s just amazing I have so much positive things to say about her you guys definitely came across a good employee for your company thanks Hillary
Matthew B
Hello, Matthew! Thank you for your kind review of our Troy staff! member From the start we have made it our goal to hire individuals who are passionate about service and willing to go the extra mile.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 16, 2021
Excellent customer service! I'm always greeted with a smile from all the friendly staff.
Angie S
Friendly service is our commitment to you, Angie!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 20, 2020
Johnny Casey JC
John C.
Thank you for rating our Troy office!
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 5, 2020
Customer service is great.
Shawn L.
We are extremely grateful for your review!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Y'all are the best.You serve your customers with the best attitudes.
Gloria J.
We will be sharing your review with the team to encourage them to continue to strive for excellence in customer service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Customer service was great
Ernest G.
We will do everything in our power to make certain every single visit is equally delightful.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 4, 2020
The customer service is very good
Tony D.
We will always try our best to provide you with the best service possible.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
1st Franklin has ALWAYS given me excellent customer service!!! They have always come through for me when I needed a loan. -Christine Barron, Troy, AL
Christine B.
We recognize our customers are busy and are beyond thankful for their willingness to spend time giving us feedback.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great customer service
Christopher F.
Thank you for taking time to share your opinion with others.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
I have had nothing but great customer service from all who work at the Troy location!!
Bennie B.
We are delighted to have had the opportunity to serve you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
We have done business with 1st Franklin for a few years now, and it’s always a great experience! Always great costumer service, and friendly staff.
Samuel W.
Thank you for being a loyal 1st Franklin customer, Samuel!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great staff
Lamorris S.
Thank you for your kind review of our Troy staff!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Always a help. Never a problem.
James M.
Thank you for your feedback, James!
Response from 1st Franklin Financial
3 out of 5full starfull starfull starempty starempty star
Mar 3, 2020
Good service. Nice people the could dress better and be more professional looking. But still good people
Leslie F.
Thank you for your review, Leslie. We have shared your feedback with our team.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Every Time I ask for a loan with 1st Franklin Financial I have no problem getting the loan.
Clyde M.
We are ever so grateful for your review!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great Customer Service - Friendly Service
Joyce J.
Our common goal is to constantly strive to deliver the very best customer service possible.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 10, 2019
Great service
Lamorris S.
Thank you for reviewing our Troy office!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 5, 2019
TO WHOM IT MAY CONCERN: 1st Franklin has ALWAYS been very helpful to me whenever I needed assistance in obtaining a loan. I have been dealing with 1st Franklin for the 15+ years. All of the staff at the Troy, AL location are always friendly, helpful, caring and attentive. I would refer this company to the highest. Thank You, Christine Barron
Christine B.
We realize our customers are busy and knowing that you took the time to voice your opinion and give us such high accolades validates every effort we make to go the extra mile.
Response from 1st Franklin Financial