Installment loans · Houston, TX
1st Franklin Financial
9150 South Main Street, Suite H-2, Houston, TX 77025
Contact & directions
- Address
- 9150 South Main Street, Suite H-2
Houston, TX 77025Source: Texas OCCC license records · verified Oct 8, 2026 - Phone
- (346) 200-8066Source: 1st Franklin Financial store locator · verified Oct 18, 2026
- Store page
- www.1ffc.comSource: 1st Franklin Financial store locator · verified Oct 18, 2026
- Directions
- Open in Google Maps
Opening hours
| Monday | 8:30 am – 5:30 pm |
|---|---|
| Tuesday | 8:30 am – 5:30 pm |
| Wednesday | 8:30 am – 1:30 pm |
| Thursday | 8:30 am – 5:30 pm |
| Friday | 8:30 am – 5:30 pm |
| Saturday | Closed |
| Sunday | Closed |
Times are local (Central or Mountain). Holiday hours may differ; call ahead.
License
| License type | Regulated lender license |
|---|---|
| License number | 169844 |
| Status | Moved to NMLS |
| Licensed company | 1st Franklin Financial Corporation |
| Regulator | Texas Office of Consumer Credit Commissioner (OCCC) |
"Moved to NMLS" is the status in the Texas Office of Consumer Credit Commissioner (OCCC)'s records for this license. It does not by itself mean the store operates without a license: licenses can move to another system (such as NMLS) or be held under another name. Verify with the OCCC.
Houston's payday and title loan ordinance
Houston is one of the Texas cities that limit payday and auto title loans by local ordinance (Houston Code of Ordinances ch. 28, art. XV, div. 1, §§ 28-481 to 28-504 (restrictions: § 28-502)). Under the ordinance:
- Credit access businesses must register with the city.
- A payday loan, including all fees, cannot exceed 20% of the borrower's gross monthly income.
- An auto title loan cannot exceed the lesser of 3% of gross annual income or 70% of the vehicle's retail value.
- Installment loans are limited to 4 payments, each paying down at least 25% of the principal.
- Single-payment loans can be renewed at most 3 times, and each renewal must reduce the principal by at least 25%.
Source: Texas Appleseed, city payday and auto-title ordinances · City registration page · Last verified Oct 11, 2026. Check the city's current code before relying on these limits.
Sources
Where each fact on this page comes from, and when we last checked it.
- 1st Franklin Financial store locator · Name, address, phone, map position, website, hours, open status Last verified Oct 18, 2026 · medium confidence
- Texas OCCC license records · Name, address, license number, open status Last verified Oct 8, 2026 · high confidence Search license no. 169844 to see the record.
- OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
- Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
- Texas Appleseed, city payday and auto-title ordinances · Houston payday and title loan ordinance Last verified Oct 11, 2026 · high confidence
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
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