About 1st Franklin Financial

Our Story: More Than 80 Years of Service

In 1941, Ben F. Cheek, Jr. founded 1st Franklin Financial in Toccoa, Georgia with a simple vision: provide hardworking families access to fair, affordable credit when they need it most. What started as a single office has grown into one of the Southeast's most trusted consumer finance companies.

Three generations later, 1st Franklin Financial remains family-owned and operated. We've stayed true to our founder's principles: treat customers like neighbors, offer transparent terms, and stand behind every loan we make.

Our Mission

To provide accessible, affordable personal loans to individuals and families across the Southeast, delivered with the personal service and integrity that has defined our company for over 80 years.

Our Values

• Integrity: We do what's right, even when no one is watching. Clear terms, honest communication, no hidden fees.
• Community: We're not just lenders—we're neighbors. Our branches are staffed by local team members who understand your needs.
• Respect: Every customer deserves dignity, regardless of their credit history. We see the person, not just the score.
• Excellence: We continuously improve our products and services to better serve our customers.

What Makes Us Different

We're Not a Payday Lender

Unlike payday lenders that trap borrowers in cycles of debt with sky-high fees, we offer traditional installment loans with fixed rates and reasonable terms. You know exactly what you'll pay each month, and you have a clear path to paying off your loan.

We Say Yes When Others Say No

We believe everyone deserves a fair chance. Our loan specialists look at your complete financial picture, not just your credit score. Many customers who've been turned away elsewhere find approval with 1st Franklin Financial.

Real People, Real Service

When you call us, you talk to a real person—not a chatbot. When you visit a branch, you're greeted by name. Our team members are empowered to make decisions and solve problems on the spot.

Our Leadership Team

Community Involvement

1st Franklin Financial believes in giving back to the communities we serve. Our branches and employees participate in numerous charitable activities throughout the year:

• Financial Literacy Programs: Free workshops at schools and community centers
• Local Sponsorships: Supporting youth sports, community events, and local nonprofits
• Disaster Relief: Providing assistance to customers and communities affected by natural disasters
• Employee Volunteerism: Paid time off for employees to volunteer in their communities

Licensed & Regulated

1st Franklin Financial Corporation is licensed and regulated in all states where we operate. We maintain the highest standards of compliance and consumer protection.

• NMLS ID: #141654
• BBB Accredited: A+ Rating
• Licensed States: Alabama, Florida, Georgia, Kentucky, Louisiana, Mississippi, South Carolina, Tennessee, Texas, Virginia