1st Franklin Financial
Covington
1st Franklin Financial Covington
4.8 out of 5.0full starfull starfull starfull starfull star
30 Reviews
4.8 out of 5.0full starfull starfull starfull starfull star
30 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
6163 Highway 278 NE
Covington, GA 30014
US
(770) 787-3325(770) 787-3325
Serving Covington since 1975!

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
Mar 9, 2020
I always use first Franklin. I should recommend to anyone. Help in time of need and also help build my credit.
Ricarrdio H.
Our staff is constantly looking for ways to do all that we do in ways that delight every single customer that gives us a try.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 8, 2020
Great people at the Covington location
Sheri M.
Reviews like this fuel our hearts and make us try better every single day.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 8, 2020
Good customer service. Cordial greeting upon entering business and very professional service.
James H.
Thank you for your kind words and for giving us a high five for all that we do. It is truly nice to know that our efforts are paying off.
Response from 1st Franklin Financial
3 out of 5full starfull starfull starempty starempty star
Mar 7, 2020
I am not interested in borrowing any more money
Norman S.
We have shared your review with our team, Norman.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 7, 2020
Great customer service
Victor H.
Thank you for reviewing our Covington office!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 7, 2020
You have helped me when I really needed it. Great doing business with you for the past 3-5 years
Otha T.
We are so glad that we are able to help you, Otha! Thank you for being a loyal customer.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 7, 2020
Excellent
Hopeton S.
We appreciate your review, Hopeton!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Great
Thomas 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
Excellent customer service
Johnny R.
Thank you for taking the time to review our Covington office!
Response from 1st Franklin Financial
3 out of 5full starfull starfull starempty starempty star
Mar 6, 2020
Nice people
Gary S.
Thank you for your review.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Very friendly & excellent customer service
Kecia B.
Thank you for taking the time out of your busy schedule to review our business.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 5, 2020
They don't really hassle you like most loans institutions.
Bennie K.
We are so grateful for your feedback!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Fast and Easy process. Got the help I needed in 1 day! I would recommend 1st Franklin to anyone in a crunch and need money fast. Thx again!
Gary D.
We're happy to be able to help you so quickly! Thank you for your recommendation.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Paul customer service is wonderful.
Shevel G.
Thank you for your kind review of our Covington staff memeber!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great customer service
Brian 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
4 out of 5full starfull starfull starfull starempty star
Mar 4, 2020
everyone has been very helpful
Kathy D.
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
Great people who try to help
James W.
Your review serves as a confirmation to all of us, that our efforts in delivering excellent customer service, is paying off.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Jordan was awesome
Litisha M.
We will always try our best to provide you with the best service possible.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 4, 2020
Satisfactory service
Margine A.
We love what we do and getting word that we are exactly what you were looking for makes us beyond excited.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great customer service and friendly staff
Rufus M.
Getting reviews like yours ranks among our favorite things!
Response from 1st Franklin Financial