First franklin financial credit requirements

What Documents Do I Need to Get a Loan with 1st Franklin Financial?

At 1ˢᵗ Franklin Financial, we love helping customers get funds fast. As a part of the application process, you’ll need to provide us with a few documents to secure your loan. We pride ourselves on making this process quick and easy for our customers, so we put together the following checklist to help you get prepared.*

Valid Identification

First, we’ll need to confirm your identity. To do that, we’ll need 2 primary or 1 primary and 1 secondary proof of ID.

Primary Documents:

U.S. Driver’s License
U.S. State Issued ID
U.S. or Foreign Passport
Military or Federal Gov’t Employee ID
Alien Registration Card (Green Card)
U.S. Issued Border Crossing Card
U.S. Visa

Secondary Documents:

Social Security Card
U.S. or Foreign Voter’s Registration Card
U.S. Employment Authorization Card
University/College ID
Medicaid, Medicare or other health insurance card
Utility Bills

Proof of Address

In order to complete the loan application process, we will also need to confirm your address. To prove your address, please provide one of the documents below when you come into a branch.

Utility Bill (less than 90 days old)
Valid Gov’t or State ID
Valid Driver’s License
Vehicle Registration
Copy of Voter Registration Card
Copy of Real Estate Property Title
Copy of Real Estate Property Tax Bill
Copy of Lease Agreement
Bank Statement (less than 90 days old)
Medical Bill (less than 90 days old)

Verifiable Income

Finally, we will need to verify your income. Please provide one of the documents below so we can finalize the loan amount you will qualify for.

Paystub
Bank Statement or Bank Records
Tax Return or W-2
Government Documentation
Written Income Verification from Employer

For most customers, that’s it! But, in some situations, we’ll need additional documentation. Here are a few scenarios that may require additional paperwork:

Shared Liabilities: If someone pays all or part of a liability in your name, we’ll need documentation to support that.
Low Credit Score: If your credit score doesn’t meet our minimum requirements, we’ll require additional collateral.

If you are ready to apply for a loan, get started now with our easy online loan application! Once completed, our “Friendly Franklin Folks” will be in touch to guide you through the rest of the process and find a convenient time for you to visit a local branch to complete your application.

Corporate Headquarters
135 E. Tugalo Street,
P.O. Box 880
Toccoa, GA 30577

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Licenses and Disclosures

1FFC is licensed in AL, GA, KY, LA, MS, SC, TN, TX, and VA.

All loan terms and applicable APRs depend on meeting our underwriting and income criteria for the loan size requested and may require collateral. Active-duty military, their spouse or dependents covered by the Military Lending Act (“MLA”) may not pledge a vehicle as collateral. Loans for MLA covered borrowers may not be available in all states. Loan proceeds obtained from 1 st Franklin Financial cannot be used for post-secondary educational or vocational expenses; to purchase securities; for business purposes; gambling or illegal purposes. 1 st Franklin Financial Corporation, NMLS #141654, Georgia Residential Mortgage Licensee #5656. 1 st Franklin Financial Corporation is licensed by the Virginia State Corporation Commission, CFI-215.