Branch Locations
1st Franklin Financial
Waycross
Waycross
1st Franklin Financial Waycross
4.8 out of 5.0
4.8 out of 5.0
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 PMOpen Today: 8:30 AM - 12:30 PMClosed Today
325 Hatcher Point Road
Suite G
Waycross, GA 31503
US
(912) 287-1500(912) 287-1500
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 | 8:30 AM - 12:30 PM |
| Sunday | Closed |
Our Services
For over 75 years, we have been helping people “do life.” This may include assisting with the expenses that come with a wedding, a new family addition, the remodeling of a home or some unexpected expense. While life can cost money, we are always here to help.
At 1st Franklin Financial, we offer loans up to $15,000 so you can enjoy that vacation, get back on track, get ahead, and continue doing what you like best in life!
Interested in a personal loan, debt consolidation or our Premier Loans? Let us help.
At 1st Franklin Financial, we offer loans up to $15,000 so you can enjoy that vacation, get back on track, get ahead, and continue doing what you like best in life!
Interested in a personal loan, debt consolidation or our Premier Loans? Let us help.
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.
(800) 700-7943(800) 700-7943
Apply Online
Apply anytime, day or night, 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 MoreIf 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!
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. Our Premier Loans are available up to $10,000.
Minimum loan amounts vary by state.
State: AL – Minimum Loan Amount: $1,000
State: GA – Minimum Loan Amount: $1,250
State: LA – Minimum Loan Amount: $1,000
State: MS – Minimum Loan Amount: $600
State: SC – Minimum Loan Amount: $1,000
State: TN – Minimum Loan Amount: $1,000
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.
About 1st Franklin Financial Corporation
1st Franklin Financial Corporation is in the business of helping our friends and neighbors make their way through life with the dignity and respect they deserve. Since 1941, we have worked in local communities to provide financial solutions for our customers and their families.
It’s been over 75 years since our founder Ben F. Cheek, Jr., made his first $34 loan; since then we’ve worked with generations of families to provide them with the funds they need when they need them the most. Today, with more than 300 loan offices in six states, we continue to offer personal loans and financial solutions so our customers can reach their goals.
It’s been over 75 years since our founder Ben F. Cheek, Jr., made his first $34 loan; since then we’ve worked with generations of families to provide them with the funds they need when they need them the most. Today, with more than 300 loan offices in six states, we continue to offer personal loans and financial solutions so our customers can reach their goals.
Recent Reviews
4.8 out of 5.0
(24 Reviews)1.0 out of 5.0
June 26, 2020
0 stars. They lie and say you HAVEEE to get their car insurance and then also health insurance and IF you ask them if that’s required they will say “well that’s how we guarantee we get paid back”making you think it’s required in order to get the loan. I had an 800 number call me and ask if I knew that the insurance wasn’t required andddd if they explained that I was paying for insurance that got me road side assistance which NOOO they also didn’t explain, but I did however sign the paper that they were throwing at me and “pretending” to explain while rushing me to sign, insinuating “this is just for so and so, no big deal” etc. not saying it wasn’t my responsibility to read them. Anyway I was informed that I had to have the car insurance as well bc my loan was “so high”. Less than $3000. When the 800 number called they informed me that was a lie and that I didn’t have I have ANYYY insurance thru them. Also why I the heck would I be getting a high interest loan and gettin ins thru them to pay even more for it! That don’t make noooo sense. Anyway told I go and they tell me my payment is $10 less this month due to and over payment in FEBRUARY!!!! WHYYY WASNT THAT TOOK OUT OF MARCHS BILL!!!! If anyone wants to ask me anymore about that insurance call or text me ANYTIME at 912-281-4379. And if they screwed and lied and tricked you into getting insurance, go up there and tell them you want out of it and they
Carie Lloyd
Response from 1st Franklin Financial
June 26, 2020
First, we want to thank you for your feedback. While we wish you had a better experience with our Waycross office, it is feedback like this that we learn and improve from. As you know, we have already refunded the insurance products that were on your loan and applied the difference to your balance. If you would like to speak to someone from our Corporate Office, please call our Quality Assurance Department at 1-800-700-7943.
5.0 out of 5.0
March 19, 2020
Awesome staff.
Annie T.
Response from 1st Franklin Financial
March 19, 2020
Thank you for your kind review of our Waycross staff!
5.0 out of 5.0
March 7, 2020
Great customer service as well as them trusting me to send me 1200 dollar check to cash for a loan. It gave me insintitave to get a loan. Thank you Franklin Financial.
Paulette L.
Response from 1st Franklin Financial
March 7, 2020
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.
5.0 out of 5.0
March 6, 2020
Great service
Scarlet T.
Response from 1st Franklin Financial
March 6, 2020
We are hard at work to make our business the business of choice for those who appreciate service excellence.
5.0 out of 5.0
March 6, 2020
The people love to take care of their customers they help us with any need that we had very courteous and very kind we appreciate their willing to work with us and help us in any way that we need
Linda A.
Response from 1st Franklin Financial
March 6, 2020
We hope to become one of your favorite companies to do business with. Do let us know what we need to do to earn your continued loyalty.
5.0 out of 5.0
March 6, 2020
Everyone in office are very nice easy to talk to and very good at what they do.
John T.
Response from 1st Franklin Financial
March 6, 2020
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.
5.0 out of 5.0
March 6, 2020
great customer service, always feel welcome
Taylor B.
Response from 1st Franklin Financial
March 6, 2020
We are so glad we were able to help you. Helping our customers is what we love best.
5.0 out of 5.0
March 5, 2020
They have been great. Definitely my first choice for my needs. Looking forward to a great business relationship.
Thomas J.
Response from 1st Franklin Financial
March 5, 2020
We know that you have options and we are very happy you chose to do business with us.
4.0 out of 5.0
March 5, 2020
We came to you for help a few weeks back. You could not help us with a loan you said. Still we receive letters of encouragement to borrow from you. It upsets us. Other than that your office is topnotch. Mrs. Gary B. Prescott
Gary P.
Response from 1st Franklin Financial
March 5, 2020
Thank you for your feedback, Gary. Please give our Manager a call, and he'll be happy to discuss your review with you.
5.0 out of 5.0
March 5, 2020
Thanks for your help
Robert C.
Response from 1st Franklin Financial
March 5, 2020
Thank you for trusting us with your financial needs, Robert!
5.0 out of 5.0
March 4, 2020
The staff are friendly and courteous as well as knowledgeable about your needs.
Debra T.
Response from 1st Franklin Financial
March 4, 2020
It is thanks to customers like you taking the time to tell us what we are doing right that we are able to constantly strive for excellence.
5.0 out of 5.0
March 4, 2020
Ready with right solution.
Arthur G.
Response from 1st Franklin Financial
March 4, 2020
We are so glad we were able to help you. Helping our customers is what we love best.
5.0 out of 5.0
March 4, 2020
Great Customer service
Tomika M.
Response from 1st Franklin Financial
March 4, 2020
We know that you have options and we are very happy you chose to do business with us.
5.0 out of 5.0
March 4, 2020
I appreciate that your company sends conformation about my payments and balance of loan. It helps me to stay organized.
Charles T.
Response from 1st Franklin Financial
March 4, 2020
We believe that business is all about people and the greatest compliments we can receive are those that highlight the commitment of our staff to deliver the best possible service.
5.0 out of 5.0
March 4, 2020
Great service and always friendly and really good set monthly prices
Gerald H.
Response from 1st Franklin Financial
March 4, 2020
Thank you so much for taking a few moments to let us know how we are doing.
5.0 out of 5.0
March 4, 2020
Great customer service and very friendly staff. They actually care about you and your family's needs!
Michael W.
Response from 1st Franklin Financial
March 4, 2020
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.
5.0 out of 5.0
March 4, 2020
great customer service, friendly staff
Chevelle R.
Response from 1st Franklin Financial
March 4, 2020
We are so grateful for your feedback!
5.0 out of 5.0
March 4, 2020
Excellent
Estella A.
Response from 1st Franklin Financial
March 4, 2020
Thank you for your review, Estella!
5.0 out of 5.0
March 3, 2020
It doesn’t get any easier than this.
Carl D.
Response from 1st Franklin Financial
March 3, 2020
We're happy to make the loan process easy for you, Carl!
5.0 out of 5.0
March 3, 2020
Excellent Customer service.
Brenda W.
Response from 1st Franklin Financial
March 3, 2020
Thank you for taking the time to let us know how we are doing.
Displaying 1 out of 20 reviews