UPDATE Monday Nov 21 at 11:00 am: 1st Franklin is experiencing technical issues that impact our ability to receive phone calls or process loan applications. We are working diligently to address the outage. Branches are open regular business hours to take cash or check payments.

1st Franklin Financial
Lavonia

1st Franklin Financial Lavonia

4.7 out of 5.0

12 Reviews

Leave a Review

4.7 out of 5.0

12 Reviews

Leave a Review

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

12300 Augusta Road

Lavonia

GA 30553

(706) 356-8882(706) 356-8882

Serving Lavonia since 1955!

View Nearby Locations

Hours:

Day of the Week	Hours
Monday	8:30 AM - 5:30 PM
Tuesday	8:30 AM - 5:30 PM
Wednesday	8:30 AM - 1:30 PM
Thursday	8:30 AM - 5:30 PM
Friday	8:30 AM - 5:30 PM
Saturday	Closed
Sunday	Closed

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?

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?

1ˢᵗ Franklin Financial offers loans up to $15,000.

Can I qualify for a loan if I have a low credit score?

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?

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?

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!

Summit Ace

(706) 466-5232

See Offers

Milford Tire and Services

(706) 384-2625

See Offers

Lakemont Jewelers

(706) 356-8900

See Offers

Hometown Floral and Balloons

(706) 356-8986

See Offers

Recent Reviews

4.7 out of 5.0

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5 out of 5

Jul 22, 2022

The Lavonia office has always went above and beyond to help me. They are kind, considerate, very prompt and, professional.

Karen P.

5 out of 5

Jul 22, 2022

I cannot say enough about the Lavonia office. Great customer service always. I have been doing business with them for years. They know me by name and I am always greeted with a smile.

Donna G

5 out of 5

Mar 11, 2022

Great loan officers and very informative/understanding!

DonQuarion, B

1 out of 5

Apr 1, 2021

FDCPA laws were broken. They made arraingments after lifethreatening medical emergency to just guarnish my spouses paycheck. They continued to leave msg on the landline for me (knowing I have memory loss from the accident that got my spouse behind} not the debtor, they did have his cell # and had communicated multiple times on it. We filed Bankruptcy, the attorny contacted the office. They then in return started harrassing my spouse again and today he got a letter that they are garnishing his paycheck by 21% 4xs the payment. We have letters and emails showing were we asked them to come get their motorcycle and they refused. I am now looking into debtors rights and looking to contact an Attorny for all the harrassment they have given to me, the one without the loan, my name is nowhere on it! But they NEVER contacted the debtor until after Bankruptcy attorney talked to them. Oh and they tried to get Mike to get another loan on the motorcycle knowing he couldn't pay it which is also illigal..unfortunalely bad things happen in your life but never had I see or heard of such questionable morals.

Shelly F

Thank you for your comments regarding your experience with our Lavonia office. We apologize for the negative experience and assure you that your feedback was shared with the branch employees as well as the Regional Director. If you would like to speak to someone about your experience, our Quality Assurance Department would be happy to assist you. Please call them at 1-800-700-7943.