1st Franklin Financial
Waycross
1st Franklin Financial Waycross
4.7 out of 5.0full starfull starfull starfull starhalf star
24 Reviews
4.7 out of 5.0full starfull starfull starfull starhalf star
24 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
325 Hatcher Point Road
Suite G
Waycross, GA 31503
US
(912) 287-1500(912) 287-1500

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

4.7 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
Jun 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
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.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 19, 2020
Awesome staff.
Annie T.
Thank you for your kind review of our Waycross staff!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 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.
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
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Great service
Scarlet T.
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
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.
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.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Everyone in office are very nice easy to talk to and very good at what they do.
John T.
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 6, 2020
great customer service, always feel welcome
Taylor B.
We are so glad we were able to help you. Helping our customers is what we love best.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
They have been great. Definitely my first choice for my needs. Looking forward to a great business relationship.
Thomas J.
We know that you have options and we are very happy you chose to do business with us.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 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.
Thank you for your feedback, Gary. Please give our Manager a call, and he'll be happy to discuss your review with you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Thanks for your help
Robert C.
Thank you for trusting us with your financial needs, Robert!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
The staff are friendly and courteous as well as knowledgeable about your needs.
Debra T.
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.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Ready with right solution.
Arthur G.
We are so glad we were able to help you. Helping our customers is what we love best.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great Customer service
Tomika M.
We know that you have options and we are very happy you chose to do business with us.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 4, 2020
I appreciate that your company sends conformation about my payments and balance of loan. It helps me to stay organized.
Charles T.
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.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great service and always friendly and really good set monthly prices
Gerald H.
Thank you so much for taking a few moments to let us know how we are doing.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great customer service and very friendly staff. They actually care about you and your family's needs!
Michael W.
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 4, 2020
great customer service, friendly staff
Chevelle R.
We are so grateful for your feedback!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Excellent
Estella A.
Thank you for your review, Estella!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
It doesn’t get any easier than this.
Carl D.
We're happy to make the loan process easy for you, Carl!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Excellent Customer service.
Brenda W.
Thank you for taking the time to let us know how we are doing.
Response from 1st Franklin Financial