1st Franklin Financial
Toccoa

1st Franklin Financial Toccoa

4.3 out of 5.0full starfull starfull starfull starhalf star
14 Reviews
4.3 out of 5.0full starfull starfull starfull starhalf star
14 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
25 Stephen Circle
Toccoa, GA 30577
US
(706) 886-2153(706) 886-2153
Serving Toccoa since 1955!

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.
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.
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!
Smith's Furniture
(706) 886-6808
See Offers
Backyard Treasures
(888) 240-4443
See Offers
Voodoo Automotive and Performance
(706) 491-7813
See Offers
Good's Furniture and Appliances
(706) 886-2919
See Offers

Recent Reviews

4.3 out of 5.0full starfull starfull starfull starhalf star
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1 out of 5full starempty starempty starempty starempty star
Aug 24, 2022
I was working on a facebook marketplace deal and the buyer sent me a check from this institution. The check was for over what I was asking for the couch as the buyer said I needed to pay the movers with the extra money. I realize I should not have fallen for this scam but I did. I sent the money and 6 hours later, the check got returned and now I am out $2000. This is very upsetting and I don't understand how a bank can allow these fraudsters to work with them or hold accounts. My bank has requested to Franklin Financial to give me a refund but I have yet to see the refund. If someone could please help me get this refund, I would forever be grateful! This was my first time selling on facebook marketplace and i'm devastated.
Kari H
Hi, Kari. We understand that you have worked with our Quality Assurance and we have determined that the check you received was indeed fraudulent. Please be assured that we do not "work" with anyone with intentions of committing fraud and the people who commit these crimes do not usually have an account with us or are even associated with us in any way. Unfortunately, there's nothing we can do to stop instances like this from happening, but want to apologize that you have been involved in this scam.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Jun 22, 2022
Great customer service these ladies are great to deal with they are always willing to help. They are all very friendly in the work place and even out in public.
Cindy j
1 out of 5full starempty starempty starempty starempty star
Jun 2, 2021
I called to have my daughter who recently is deceased off the mailing list and they said it was a 3rd party and they can't. Its upsetting to get mail in her name.
Lorraine P
We are very sorry for your recent loss and will be happy to assist you with removing your daughter's information from our mailing list. Please contact our Quality Assurance Department at 1-800-700-7943. Representatives are available Monday through Friday, 8:30am to 5:00pm EST.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great Customer Service
Marcella B.
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 4, 2020
always kind no matter the situation
James B.
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 4, 2020
easy to work with
James B.
Thank you for taking the time to let us know how we are doing.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 3, 2020
Great customer service and atmosphere
Terry P.
We are so grateful for your feedback!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great customer service and very helpful
Mickey C.
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.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great customer service.
Rodney W.
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 3, 2020
We have had nothing but great experience with you.
Tony R.
We are so glad we were able to help you. Helping our customers is what we love best.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 3, 2020
Friendly service
Allen T.
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 16, 2019
Great
Daniel A.
Thanks, Daniel!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 4, 2019
Always Greet you with a smile
Cathy H.
Thank you for reviewing our Toccoa office!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 4, 2019
Courtesy and prompt service.
Bobby B.
We are so grateful for your feedback!
Response from 1st Franklin Financial