1st Franklin Financial
Cookeville
1st Franklin Financial Cookeville
4.1 out of 5.0full starfull starfull starfull starempty star
11 Reviews
4.1 out of 5.0full starfull starfull starfull starempty star
11 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
124 S. Willow Avenue
Cookeville, TN 38501
US
(931) 526-3240(931) 526-3240

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

4.1 out of 5.0full starfull starfull starfull starempty star
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1 out of 5full starempty starempty starempty starempty star
Feb 24, 2021
Tried to call and pay my fiancé's loan off but was told I could not by a lady. I have called and made payments before and never had a problem. She told me he would have to fill out a form saying I could pay on the account. If this was true I wouldn't have been able to make payments before. Then I told her he works 10 hour shifts and he would not be able to. She then stated he would have to call and talk to a manager named Ashley. Since I have been using my bank information to pay on this loan I would have to be on the phone with them as well, now how would that happen since by the time he gets off they are closed. It seems like they don't want this loan to be paid off. This company needs to make sure that all their employees follow the same guidelines as far as letting certain people pay on accounts. I don't think it should matter as long as the loan is paid right? This location is COOKEVILLE TN!!!!!!
Gabrielle R
Thank you for your feedback, Gabrielle. We can take your payment for your fiancé's account; however, we cannot give you any information regarding the account, such as payoff, without a signed Third Party Authorization Form. If you would like to further discuss your experience, please contact our Quality Assurance Department at 1-800-700-7943.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
May 28, 2020
we have had a really good experience and they have been great through out this whole covid thing highly recommend them
mike and becky s
Hi, Mike and Becky! We recognize our customers are busy and are beyond thankful for their willingness to spend time giving us feedback.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 5, 2020
...it's been a great many years....
David S.
Thank you for being a loyal customer, David!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
No issues , courteous.
Robert J.
Thank you for your review, Robert!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
great service
Kevin G.
We appreciate your review, Kevin!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Very friendly. Always very helpful.
Brenda K.
We're happy to have the opportunity to help you, Brenda!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Nice staff
Susan S.
Thank you for your kind review, Susan!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 3, 2020
Great customer service and very helpful during my quadricep injury that has put me out of work for the past 4 months.
Howard H.
We are so happy that we could help you during your time of need, Howard!
Response from 1st Franklin Financial
1 out of 5full starempty starempty starempty starempty star
Oct 28, 2019
Horrible service when it comes to anything online. Try calling and youll just be met with a half baked response. Cant wait till my loans up. Will never work with again.
Richard W.
We apologize for the trouble you are experiencing with our online services and for the level of service you have received from our Cookeville, TN office. If you'd like to speak to someone at our corporate office, please contact our Quality Assurance Department at 1-800-700-7943.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Oct 28, 2019
They are always friendly and try ro help with anything they can
Mark P.
Your opinion empowers other people in the community to connect with us and trust us to help them with their financial needs.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Sep 9, 2019
easy to deal with
Robert J.
Thank you for reviewing our Cookeville office!
Response from 1st Franklin Financial