1st Franklin Financial
Athens
1st Franklin Financial Athens
4.10 out of 5.0full starfull starfull starfull starfull star
30 Reviews
4.10 out of 5.0full starfull starfull starfull starfull star
30 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
941 Decatur Pike
Athens, TN 37303
US
(423) 745-9292(423) 745-9292
Serving Athens since 2008!

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

4.10 out of 5.0full starfull starfull starfull starfull star
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5 out of 5full starfull starfull starfull starfull star
Oct 7, 2021
Great customer service
Robert rose
Thank you for leaving a review for our Athens office, Robert!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 3, 2021
Good customer service
Mitchell Williams
Hey, Mitchell! Thank you for leaving us a review.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Aug 31, 2021
Wonderful people. Understanding, will work with you.
Juanita S.
We know that you have options and are pleased that you selected us and proud to have served you.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Jun 11, 2021
Great customer service! Tonya and associates make sure you feel welcome and important in person and on the phone. They're always willing to help.
Edith B.
We are delighted to have had the opportunity to serve you, Edith!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Apr 10, 2021
Been a customer along time always great service recently flew in from Tx ( down there working) couldn’t make it on time Tonya came in on her day off jus for me to come in and get things done I needed too alway polite and friendly great place to do your business I will continue to do so!!!!!!
Michel R
We are delighted to have had the opportunity to serve you, Michel! We can't thank you enough for sharing your experience with us!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 9, 2021
Love mrs.Tonya!! She has has a great personality, and wonderful customer service! Tonya always does her best to help me out. I always recommend people to go see her.
Christy Y
Hi, Christy! Thank you for your kind review of our Athens team member. We will do everything in our power to make certain every single visit is delightful.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 29, 2020
Great customer Service. Fast and Friendly
Joyce R.
Thank you for sharing your feedback with us, Joyce!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 7, 2020
Always friendly, and courteous
Sharon O.
Thank you for taking the time out of your busy schedule to review our business.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
When I go in Athens office...the girls are so friendly and very helpful.
Patsy C.
We really appreciate that you took the time to share details about your visits to our location.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Easy approval and reasonable payback. Happy for your service
Michele M.
We are thankful for your time and your willingness to write a review to let us know how we are doing.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 6, 2020
Great customer service. Helped me out when needed. They are all very nice.
Debbie H.
We wanted to take a moment to thank you for telling us more about your experience with us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
I've always had great service at the Athens, TN. office. Tonya and the girls always greet me by name and always ask how my wife and I are doing. They are always helpful and do their best to meet my financial needs. I have had nothing but the very best experience each time I visit. I would highly recommend this office. Thanks.
Gary C.
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 5, 2020
Fantastic customer service
Joyce R.
Thank you for your review,
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
TONYA VESS & STAFF, VERY PROFFESSIONAL & CURTEOUS. LIKE DOING BUSINESS WITH THE ATHENS,TN. OFFICE. HAVE BEEN A CUSTOMER FOR YEARS.
Christopher F.
Thank you for being a loyal customer with our Athens office, Christopher!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
The Athens branch has an amazing staff. I have been a customer for years and very pleased with this office.
Celia N.
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 5, 2020
Very friendly and helpful met my needs with no problems
Ernest C.
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
great customer service, always been super friendly.
Virginia S.
We are so grateful for your feedback!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
They are very nice and they help me whenever I need to borrow money ! Employees are always courteous !
Zondra T.
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!! Always a pleasure working with Tonya and the team!!!
Casey S.
We will always try our best to provide you with the best service possible.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Excellent service and friendly
Rita M.
We know that you have options and are pleased that you selected us and proud to have served you.
Response from 1st Franklin Financial