We encourage questions from our customers...

Do you have questions about our products and services? If so, you are not alone. We expect and encourage questions from our customers, because we want you to have the information you need in order to make the right financial decision for your situation.

Below are a few of the more common questions our customers have. If you don’t see your question, call us, and we will be glad to help you.

Q) When will I receive an answer to my loan request?
A) Usually, within 24 hours from your application acceptance, you will receive a decision.

Q) How can I apply?
A) There are three ways you can apply.

• You can call us at 931-967-7003 and request an application.
• You can drop by the office at 1327 Dinah Shore Boulevard, Winchester to pick up an application.
• You can apply on the website by clicking here, “Apply Here” to bring up our application form. Simply complete the form and click "Submit" to send it directly to us. We will contact you as soon as we review the application in order to finalize any details.

Q) What if my credit rating is damaged?
A) One of the benefits of using Franklin County Finance is that we are not dependent on credit rating. We review you and your situation on an individual basis, so don’t hesitate to contact us just because your credit rating is below par.

Q) What if I don’t have any credit history?
A) That is not a strike against you when working with Franklin County Financial Services. Because we are local and independent, we are able to review your financial situation on criteria outside of credit history.

Q) What if I have a bankruptcy history?
A) In our current economy, bankruptcy is not unusual and not a mark against you when working with Franklin County Financial Services. We will listen to your story and do everything possible to assist you in your needs.

Q) Must I have a specific reason to obtain credit?
A) No, you do not have to confide in us your reason for needing personal credit. We understand that asking for money can often be painful and humbling, so we will always respect your need for confidentiality.

Q) Does Franklin County Financial Services offer installment loans?
A) Yes, we employ a third party agent who works with us in order to offer you a fixed monthly product.

Q) Is there a maximum amount I can borrow?
A) Yes, the maximum loan amount available is $30,000.00.

If you don’t see your question here, please contact us and we will be glad to help you.