1st Franklin Financial offers personal loans up to $15,000 with flexible terms, fixed payments, and fixed rates. They provide short and long term installment loans, not payday loans. With over 300 offices across the southeast and over 80 years in business, they are not far from home. Reviews highlight quick approvals, even with a low credit score, and a friendly, professional, and attentive staff who work with customers to get them approved. Many customers have been doing business there for years, noting the staff is always polite, easy to talk to, and makes the experience great. They are highly recommended for personal loan needs.