1st Franklin Financial offers personal loans up to $15,000 with flexible terms, fixed payments, and fixed rates. It is not a payday lender. With over 300 offices across the southeast and over 80 years of service, it provides short- and long-term installment loans. Reviews highlight fantastic, friendly, and helpful customer service from a great and awesome group of people. Customers report fast and easy service, with staff happy to help and even lower payments. The business is highly recommended for financial help, with many noting it helped them when they needed it most. The atmosphere is described as family-like.