Do not use them for any other loans except the interest-free variety, or they will rip you off.
The second experience, however, was awful. After using them for the furniture loan, I thought I could borrow money from them again. I asked them a simple question: how much do I have to pay on top of the borrowed amount for this money. The lady that was working with me refused to answer the question saying I would have to agree to the loan before she could tell me. Eventually I found in the loan paperwork that there was an addition of almost 50% to the amount I was trying to borrow. The employee skirted around the amount that would be added to the owed amount in a way I consider deceiptful. First Franklin also attempts to include, but does not tell you about, roadside assistance and other fees that have nothing to do with your loan. What was a $620 loan for move out expenses would have become over $900 owed as soon as I signed the contract. I am glad I found the 900 number which was on the contract the whole time that the lady would not show to me... Bullet dodged...
I have had two experiences with First Franklin. Let me start by saying that the first experience was good. First Franklin loaned us about $500 interest-free if it was paid in 12 months. We paid it in time, built our credit, and only had to pay for the money loaned. That was a good experience. Be sure if you get a furniture loan that you pay more than the minimum payments. Minimum payments will complete paying off the loan after the 12-month period.
**Use them to buy furniture with interest-free financing, but beware for EVERYTHING ELSE**
Was very pleased w exp in Dec. Thx Monteika! Will b back!
1st Franklin Financial is a US Finance company based in Hinesville, Georgia. 1st Franklin Financial is located at 755 W Oglethorpe Hwy Suite 111, Hinesville, GA 31313, USA.
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