1st Franklin Financial
Lavonia
1st Franklin Financial Lavonia
4.6 out of 5.0full starfull starfull starfull starhalf star
9 Reviews
4.6 out of 5.0full starfull starfull starfull starhalf star
9 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
12300 Augusta Road
Lavonia, GA 30553
US
(706) 356-8882(706) 356-8882

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?
Arrow to expand section to show FAQ answer
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?
Arrow to expand section to show FAQ answer
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?
Arrow to expand section to show FAQ answer
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?
Arrow to expand section to show FAQ answer
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?
Arrow to expand section to show FAQ answer
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
2 Star
3 Star
4 Star
5 Star
Leave a Review
1 out of 5full starempty starempty starempty starempty star
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.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 29, 2021
If you need a loan this is the place if you have hard times they work with you I love the service there always kind to me thank you so much lavonia 1st frankin
Vickie
We are delighted to have had the opportunity to serve you, Vickie!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 13, 2020
GREAT Customer Service!!!!!
Donna G.
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 customer service. Friendly representatives.
Christopher I.
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 4, 2020
Always friendly! Eagar to help!
Edsel F.
Helping our customers is what we love best, Edsel!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
I’ve had a long relationship with 1st franklin ,It has been over45 years so I guest you do things right Thanks Randall Graham
Randall G.
Wow, Mr. Randall! Thank you for being such a loyal customer.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Oct 29, 2019
The customer service is great. I would recommend anyone to go to them
Kenneth C.
Everyone here is working hard to deliver first class service to inspire you to continue visiting us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Oct 28, 2019
Great to deal with never a hassle. As with any place you borrow from just pay on time and you will have a pleasant experience.
Christopher M.
We are beaming with pride knowing that we hit the mark and delivered great customer service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 4, 2019
These ladies are awesome, always ready to go the Extra mile. I appreciate their prompt response to my Needs
Annie R.
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