1st Franklin Financial
Lake City

1st Franklin Financial Lake City

4.6 out of 5.0full starfull starfull starfull starhalf star
26 Reviews
4.6 out of 5.0full starfull starfull starfull starhalf star
26 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
232 Kelley Street
Suite B
Lake City, SC 29560
US
(843) 394-1464(843) 394-1464
Serving Lake City since 2014!

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.
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!
Sparrow and Kennedy Tractor Co. Inc
(843) 389-2727
See Offers
KGS Company
(843) 210-7368
See Offers

Recent Reviews

4.6 out of 5.0full starfull starfull starfull starhalf star
1 Star
2 Star
3 Star
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5 out of 5full starfull starfull starfull starfull star
Jul 29, 2022
Great
Carolyn Mcclary
5 out of 5full starfull starfull starfull starfull star
Mar 18, 2022
Very good and great staff
D.McElveen
5 out of 5full starfull starfull starfull starfull star
Dec 3, 2021
Great customer service very friendly people take care of your needs.
Timothy M
Hello, Timothy! 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
Nov 17, 2021
Excellent customer service. The ladies there are great!
Joan F
Hi, Joan! We wanted to take a moment to thank you for telling us about your experience with us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Nov 17, 2021
I in joy the lady at first Franklin the service was very good
Edna f
Hi, Edna! We're happy to know that you received good customer service from our Lake City team!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Nov 17, 2021
Great customer service
Melinda Smith
We are delighted to have had the opportunity to serve you, Melinda.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Nov 17, 2021
Excellent customer service…will definitely recommend anyone …very friendly and understanding
Chelsea J
Hey, Chelsea! Thank you for your review and your recommendation.
Response from 1st Franklin Financial
2 out of 5full starfull starempty starempty starempty star
Sep 3, 2021
Mrs. Patricia has a low quality for customer service.
Michelle w.
Thank you for your feedback, Michelle. We'd like to apologize on behalf of our Lake City staff member. Our Manager will be reaching out to you to discuss your review.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
The Lake City,S.C. branch is a great place to Consolidate and start over with your past due bills.
Raymond P.
We want to earn your business each and every time. We are constantly looking for better ways to serve you.
Response from 1st Franklin Financial
1 out of 5full starempty starempty starempty starempty star
Mar 4, 2020
Really rude
Lori L.
Our Manager would love the opportunity to discuss your review. Please give her a call at your convenience.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great customer service and employees are very friendly
Shonda C.
Friendly service is our commitment to you!
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 4, 2020
great service
Veronica S.
Thank you for your kind review of our Lake City office!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
None
Ruby C.
Thank you for rating our Lake City office!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Excellent
Barbara E.
We look forward to serving you in a future visit.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 3, 2020
Great customer service
Theresa C.
Our goal is to provide customers with superior service that exceeds their expectations.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great Customer service
Victory C.
Please visit us again. It is our pleasure to serve you.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 3, 2020
The ladies are friendly and give great customer service. But the young he is not helpful. He shows that he don't like you.other than that great customer service.
Gergory F.
Thank you for your feedback, Gregory. Your review was shared with our team to encourage everyone to always strive for excellence in customer service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great customer service
Debra 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 3, 2020
Great customer service 👍
Janice B.
We are extremely grateful for your review, Janice!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great customer service!! The ladies in that office are great and very nice and ready to help you in any way they can.
Kathy S.
We are ever so grateful for your review!
Response from 1st Franklin Financial