First Financial  


Auto Loans: 93% of all applicants approved! And this includes the fair, poor and bad credit applicants that make up 56% of all American borrowers. Since 1996, we have processed over 1,000,000 bad credit auto loans, some with approved amounts of up to $45,000. Now, years away from the Great Recession, we know lots of bankruptcies are about to fall from borrowers’ credit reports. We strive to provide car loans to this hard-working population before traditional banks realize what they’re missing! More, by providing all the security a traditional, bricks-and-mortar bank can offer, we keep customers’ money secure 24/7.

Personal Loans: The personal loan rate can be half that of the typical credit card rate. Why not get that home improvement project done or the credit card balances consolidated now and pay half the interest rate charges? Get your rate without a credit check/ding. We won’t check your credit until you decide that our rates and terms are the best for you. When you manage your personal loan online, you can make a payment, update your information, review a statement and make payments from your mobile device. Stay on top of your finances conveniently when you work with BBB A+ rated First Financial!

Business Loans: Did you catch it when, in 1994, Bill Gates proclaimed, “retail banks are dinosaurs.”  Soon after, Harvard Business School proclaimed internet banks, “lending disrupters” and praised us for making loans easier, more affordable and accessible. We’ve implemented the automated systems that result in lower rates and more convenience to the business borrower. Our reduced marketing and processing costs enable us to have higher approval rates as well! Harvard also found that online lenders approve applicants 60% of the time and traditional banks approved just 21% of applicants. Why not click to see what your loan limits and rates would be? After all, your business credit will not be impacted until you decide to accept our offer.

Mortgage Loans: First Financial brings the lender’s office to you, ready to make the best deal to win your business. Operating now since 1996, our banking security is the strongest available in the United States! Our customer-centric approach lets you check your rates and limits from the comfort of your living room with no impact to your credit score. In the Internet Era, the most sophisticated borrowers know they have the power when they make lenders work for their business.

Merchant Services: With consumers handing over plastic in 66% of all purchases now, it’s critical all businesses accept credit, debit and gift cards. A leading provider of quality, secure merchant services to those in high-risk industries, First Financial welcomes applicants turned down by more traditional banks. We know that businesses like tech support, e-cigarettes and web development need only pass the test of time before all banks will vie to lend to them. For now, First Financial works hard to earn high-risk business because our research has shown these innovative fields have incredible futures ahead!

Cash Advance: Financial emergencies are no fun. Don’t make them worse by accruing high late payment fees, pawing family heirlooms or impacting your reputation. Unlike many lenders, First Financial welcomes most students, bankruptcy-filers and low-income applicants. Even those with fair, poor and bad credit qualify for a cash advance as long as they have current pay stubs and a telephone number. Keep your car, your job and your precious treasures. Use a convenient, online cash advance to bridge the gaps we all experience from time to time!

Credit Cards: Online alternative service First Financial offers big bank security AND a variety of card options to help you maximize your cash flow. Traditional banks send the same offer to thousands without considering individual financial limitations and goals. The credit card you choose depends on whether you need to lower monthly bills, accumulate vacation awards, build a credit score or achieve any number of financial objectives. Avoid credit checks that lower your score when you apply for the right card the first time! First Financial specializes in helping those with fair, poor and even bad credit strengthen their credit score with the most appropriate, low-cost cards.

Low Credit Score Loan: First Financial is the nation’s leading provider of low credit score loan services. You simply can’t find a more convenient service for borrowers with fair, poor and bad credit scores who need the lowest possible rates & terms. Low credit scores loan services can usually be obtained the same day or within 24 hours.

Bad Credit Score Loan: The bottom line is that First Financial is the nation’s leading provider of bad credit score loans. We pride ourselves on offering convenience, security and the lowest rates available nationwide. Finally, if we can’t approve you, one of the trusted partners in our network should be able to.

First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


First Financial® is a Federally Registered Trademark

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