1st Franklin Financial
Johnson City
1st Franklin Financial Johnson City
4.7 out of 5.0full starfull starfull starfull starhalf star
10 Reviews
4.7 out of 5.0full starfull starfull starfull starhalf star
10 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
3120 E. Oakland Avenue
Johnson City, TN 37601
US
(423) 979-0509(423) 979-0509

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

4.7 out of 5.0full starfull starfull starfull starhalf star
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5 out of 5full starfull starfull starfull starfull star
Jul 7, 2020
Have been dealing with your company for 10 plus years with a very special and efficient young woman named Carla Reeser. She has always had a beautiful smile on her face since the very first time that I met her. I can not begin to tell you how much she has helped me. Even when there were times that she wasn't able to help me I left the office feeling like I had still accomplished something and felt better about myself. She has truly been a Godsend for me. Thank you for having such a remarkable young woman.
Paula T
Thank you for being a loyal customer for so many years, Paula! When we read your review, we could not help but to smile. We are delighted to read how our staff delivered above and beyond your expectations.
Response from 1st Franklin Financial
3 out of 5full starfull starfull starempty starempty star
Mar 6, 2020
I have found them very reluctant to provide further help to someone that has been a loyal customer for several months. Other than that, the experience has been okay.
Randy H.
Thank you for your feedback, Randy. If you'd like to discuss your review, please give our Manager a call at your earliest convenience.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
Great customer service
Kristy Q.
We know that you have options and we are very happy you chose to do business with us.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 5, 2020
People are so helpful, nice and friendly
Nancy G.
Friendly service is our commitment to you, Nancy!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great customer service would recommend them to everyone
Deborah P.
We appreciate your recommendation, Deborah!
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
Great customer service
Deborah P.
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 4, 2020
Great service
Derrick B.
We will do everything in our power to make certain every single visit is equally delightful.
Response from 1st Franklin Financial
4 out of 5full starfull starfull starfull starempty star
Mar 4, 2020
Very nice people
Randy B.
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 4, 2020
Always a pleasure working with 1st Franklin. The people are so friendly and helpful.
Kathy G.
We will be sharing your review with the team to encourage them to continue to strive for excellence in customer service.
Response from 1st Franklin Financial
5 out of 5full starfull starfull starfull starfull star
Mar 4, 2020
They have excellent customer service and are very helpful with everything involved. I really appreciate their service.
Karen W.
We recognize our customers are busy and are beyond thankful for their willingness to spend time giving us feedback.
Response from 1st Franklin Financial