1st Franklin Financial
Athens
1st Franklin Financial Athens
4.7 out of 5.0full starfull starfull starfull starhalf star
36 Reviews
4.7 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
1550 Lexington Road
Suite D
Athens, GA 30605
US
(706) 548-6357(706) 548-6357
Serving Athens since 1964!

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

4.7 out of 5.0full starfull starfull starfull starhalf star
1 Star
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Leave a Review
1 out of 5full starempty starempty starempty starempty star
Aug 13, 2021
If you aren’t taking people walking in, maybe try updating your site to reflect that. We came into the office, wasted gas and time, just to have some rude lady with an attitude tell us that you were only doing phone applications and had to have an appointment to finalize it. She was not welcoming at all and could’ve said this much nicer (or you could update your site where we wouldn’t have wasted our time- and I would say your time as well, but there were employees and no customers on site, so…) And because of this is why we’ll take it to another branch. Absolutely certain I have the right company. This is the office next door to the movie theater. There was only 1 person to speak up and she was very rude and acted as if we had walked in on something we weren’t supposed to. I’m good. Learned my lesson. If you would like to email me directly, I can point the lady out just from your images on Google. I can also point out 2 of the other people that sat silent in the office while she said this. So….YES. Positive I have the correct office. My email is candacecarey09@gmail.com and I have the images locked and loaded, ready to go.
Candace C.
Thank you for your feedback, Candace. Are you sure that you have the right company? We ask, because we are taking in-office applications without appointments. Please give us a call at 706-548-6357 and our manager will be happy to speak with you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 28, 2020
Athens Franklin Financial has been really good to us!! A few years back we financed a Shed through them, paid it off and then went back to apply for a loan. Everyone there was super friendly and helped us understand the best options for us. They even gave us different solutions for the best pay off plan. I would recommend them for any financial needs you may have. Thanks for being so good to us.
Ymmilia F.
We know that you have options and we are tremendously happy you picked us. We are so grateful for your recommendation, Ymmilia!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
I am very pleased with the people.They are friendly and courteous and easy to work with.
Will H.
We really appreciate that you took the time to share details about your visits to our location.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Great customer service
Sherry C.
Thank you for taking the time out of your busy schedule to review our business.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Great service
Roscoe P.
We are thankful for your time and your willingness to write a review to let us know how we are doing.
Response from 1st Franklin Financial
1 out of 5full starempty starempty starempty starempty star
Mar 6, 2020
Not good
Rachel M.
We hate to see a negative review for our Athens office. If there is a particular instance you wish to discuss, our Branch Manager will be hapy to speak with you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Good
Leticia B.
Thank you for your review, Leticia!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
I love the lady’s that work there . They are great people . But I think the percent we pay is high. I have been a customer for 10 year and the lady are great
Tim S.
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. Thank you for your feedback regarding our rates, but please know that we appreciate you being a loyal customer, Tim.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Thank you for helping me in a tough situation I truly appreciate it.
Erica T.
We are so glad we were able to help you. Helping our customers is what we love best.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Love the Staff!! Always friendly and helpful. I just wish you could pay back online using your debit card!!
Evette C.
Thank you for your review, Evette. Hopefully, that will be an available option in the future.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great customer service
Brenda S.
We know that you have options and we are very happy you chose to do business with us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Very good heart people, always smiling.I don't know a lot about computers, but they took there time and help me. I just want to say thank you.
Carolyn P.
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 5, 2020
Amazing customer service! They even sent out a sympathy card when my mom passed away letting me know they were thinking of me! And they don't have a high turnover... Its always the same smiling faces everytime i go in there. Highly recommended them!
Jenny W.
From the start we have made it our goal to hire individuals who are passionate about service and willing to go the extra mile. Thank you for your recommendation!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great people,they do what they can for you.
Abbie L.
Thank you so much for taking a few moments to let us know how we are doing.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great communication and friendly employees.
Carolyn M.
We are so grateful for your feedback!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great people here very helpful and friendly staff!
Donna V.
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 5, 2020
Very nice always there when needed
Russell L.
We know that you have options and are pleased that you selected us and proud to have served you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Very helpful every step of the way. Always courteous.
Jonathon C.
Our goal is to provide customers with superior service that exceeds their expectations.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great service and so convenient!! They take great care of their customers. The ladies are so very helpful and always welcome you with a smile!
Katrina P.
We wanted to take a moment to thank you for telling us more about your experience with us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
I’ve been there 3 times for a loan, there always so nice
Karen R
Thank you for being a loyal customer, Karen!
Response from 1st Franklin Financial