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HomeTennesseeCleveland1st Franklin Financial

Installment Loans at our
Cleveland, TN Branch

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865 Keith Street, NW
Cleveland, TN 37311
(423) 479-4138
Monday08:30 AM – 05:30 PM
Tuesday08:30 AM – 05:30 PM
Wednesday08:30 AM – 01:30 PM
Thursday08:30 AM – 05:30 PM
Friday08:30 AM – 05:30 PM
SaturdayClosed
SundayClosed
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About Location

In Cleveland, we assist customers with getting the personal loans they need to handle unexpected expenses or take care of an emergency.

Cleveland is one of 1st Franklin Financial’s many branch locations and a place we are proud to serve. Our Cleveland-based staff also regularly assists people living in Charleston, Benton, Ocoee, Calhoun, Ooltewah, McDonald, Apison, Riceville, Delano, Old Fort, Copperhill, Reliance, Ducktown, Turtle Town, Georgetown, and Birchwood.

In Cleveland, we are located in the Willow Point Plaza, which is just off Keith Street and between Auto Zone and O’Reilly Auto Parts. You’ll conveniently find us next door to Wholesale Lighting and Little Caesars.

To accommodate our local customers, our Cleveland branch is wheelchair-accessible with a ramp and accessible seating. We have a parking lot in front of our office, which will hold 30 to 40 cars. Feel free to grab any spot and come right in to discuss your loan needs with our staff, as no appointments are necessary.

If you live in Bradley, Polk, Hamilton, or Meigs County, 1st Franklin Financial is here for you whenever you need financial help in Cleveland.

Our Cleveland loans go up to $15,000. We are not a payday or cash advance loan company. Instead, we are a trusted, reliable installment loan lender offering quick approvals, fixed rates, and friendly service.

If approved for a Cleveland loan, you’ll receive your loan funds by check. You have the option of paying your monthly loan installments via debit card.

In addition to our personal loans with flexible terms and low monthly payments, 1st Franklin also offers our local customers assistance with sales financing. Please visit our FAQ page to learn more about our services.

We look forward to meeting you in our Cleveland branch and helping you get the loan you need. Please apply online to start the process and provide us with the required information for review and approval.

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Frequently Asked Questions

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.

If you apply online, your application will be transferred to your local 1ˢᵗ Franklin Financial office where the loan decision will be made. One of our staff will contact you to discuss your loan and options. If approved, you could have the money you need as soon as the next day. If you submit your loan application during non-business hours, your application will not be viewed until the following business day. In some cases, approval is only hours away!

1ˢᵗ Franklin Financial offers loans up to $15,000.

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.

Other Nearby Locations

1st Franklin Financial
Hixson, TN

20.67 Miles away
5864 Hwy 153, Suite 108
Hixson, TN 37343
(423) 877-3582
Get Directions View Location

1st Franklin Financial
Dayton, TN

22.33 Miles away
3055 Rhea County Hwy, Suite 320
Dayton, TN 37321
(423) 775-6604
Get Directions View Location

1st Franklin Financial
Athens, TN

24.52 Miles away
941 Decatur Pike, Suite 108
Athens, TN 37303
(423) 745-9292
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Corporate Headquarters
135 E. Tugalo Street, PO Box 880
Toccoa, GA 30577
(706) 886-7571

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Copyright © 2012 – 2025 1st Franklin Financial Corporation All Rights Reserved.

1FFC is licensed in AL, GA, KY, LA, MS, SC, TN, TX, VA, and FL.

All loan terms and applicable APRs depend on meeting our underwriting and income criteria for the loan size requested and may require collateral. Active-duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral. Loans for MLA covered borrowers may not be available in all states. Loan proceeds obtained from 1st Franklin Financial cannot be used for post-secondary educational or vocational expenses; to purchase securities; for business purposes; gambling or illegal purposes. 1st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. 1st Franklin Financial Corporation is licensed by the Virginia State Corporation Commission, CFI-215.

To receive same day approval and funding, the customer must provide all information requested to complete an application, including verifying documentation, by noon.