Loan Payment Calculator
Estimate your monthly payments and see what you can afford
Calculate Your Payment
Adjust the sliders below to estimate your monthly loan payment.
Actual APR varies based on credit profile and loan terms
Checking your rate won't affect your credit score
⚠️ Important Disclaimer
This calculator provides estimates only and does not guarantee loan approval or specific terms. Actual loan amounts, APRs, and monthly payments will be determined based on your credit profile, income, and other factors during the application process. All loans are subject to credit approval. 1st Franklin Financial offers personal loans from $600 to $15,000 in AL, FL, GA, KY, LA, MS, SC, TN, TX, and VA.
💰 Fixed Rates
Your interest rate stays the same for the life of your loan. No surprises, no rate increases.
📅 Flexible Terms
Choose a repayment term from 12 to 60 months that fits your budget and financial goals.
🚫 No Prepayment Penalty
Pay off your loan early anytime without any additional fees or penalties.
Ready to See Your Real Rate?
Apply now to get your personalized loan offer. Pre-qualification won't affect your credit score.
Apply Now — Same Day DecisionHow Our Loans Work
1. Apply Online or In-Person
Complete a simple application in minutes. Visit one of our 370+ branches or apply from home.
2. Get Approved Fast
Our team reviews your application quickly. Many customers receive same-day decisions.
3. Receive Your Funds
Once approved, get your money the same day at your local branch. It's that simple!