1st Franklin Financial
Lake City
1st Franklin Financial Lake City
4.6 out of 5.0full starfull starfull starfull starhalf star
18 Reviews
4.6 out of 5.0full starfull starfull starfull starhalf star
18 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

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. 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?
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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.

Recent Reviews

4.6 out of 5.0full starfull starfull starfull starhalf star
1 Star
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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
5 out of 5full starfull starfull starfull starfull star
Dec 11, 2019
Great service and personnel's the same.
Leroy S.
We recognize our customers are busy and are beyond thankful for their willingness to spend time giving us feedback.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Oct 29, 2019
Great customer service, really friendly.
Samella B.
Thank you so much for taking the time to write such a nice review.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Oct 28, 2019
Great customer service
Linda J.
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
Oct 28, 2019
Everyone is excellent. Could not ask for a better team to make things happen.
Greta G.
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
Oct 28, 2019
Great people that always there when you need them
Theresa C.
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 11, 2019
I love working with this office in Lake City. The ladies are so very nice and willing to help you any way they can! I recommend this office to any of my friends.
Kathy S.
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