The APR, finance charge and total of payments on your written offer are the figures to compare. A published example or advertised maximum APR is not a personalized 1FFC rate quote.
Read the source: 1FFC · Official personal-loan page and disclosures
Interest rate and APR
The interest rate determines interest under the contract. APR expresses credit cost using applicable finance charges and timing; fees can make it differ from the nominal rate. Avoid comparing a fee-inclusive APR from one offer with a nominal rate from another.
Read the published example carefully
The company’s current site includes a 35.99% maximum APR disclosure for the described $3,500-and-above, 15–60 month program. That context matters: do not apply it as a verified ceiling or guaranteed rate for every state, amount and product.
Continue: Loan Cost Comparison Calculator: APR, Fees and Payments
Compare the cash and the total
Write down cash received, amount financed, any upfront fee, monthly payment, term, total payments and optional products. A longer term can lower the payment while increasing total interest. Our comparison calculator lets you test that tradeoff with your own assumptions.
Continue: 1st Franklin Financial Credit Insurance: What to Check
Frequently asked questions
What rate will I get?
Only the lender’s actual offer can establish your rate and terms.
Does the calculator reproduce the lender’s APR?
No. It models a fixed nominal-rate installment loan and separately shows fees. It does not calculate the APR shown in a loan agreement.
Sources
Read the original documents and company pages behind this guide.
- 1FFC · Official personal-loan page and disclosures www.1ffc.com · reviewed October 16, 2026
- CFPB · Difference between interest rate and APR www.consumerfinance.gov · reviewed October 16, 2026
- 1FFC · Official frequently asked questions www.1ffc.com · reviewed October 16, 2026
