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Finance Your Dream Car With Any Credit Score!

In 3 minutes or less, up to $95,000


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Auto Loan Customer Service

Fast Approvals – All 50 States – First Time Buyers – Bankruptcy  – All Credit Scores

If you have excellent credit, bad credit or even no credit this is the solution for you. It all starts with the online request form. The online request form is the most comprehensive in the industry because it was designed for people with low credit scores or bad credit. The online request form takes into consideration many factors such as income, employment, residence and banking history. Typically issuing a result in as little as 5 minutes!

As a leading provider of fair, poor and bad credit auto loan offers, First Financial ensures the 40% of Americans with “subprime” credit can still have access to critical transportation. Since 1996, we have connected over 1,000,000 people seeking bad credit auto loans. State of the art automation and low-cost internet enterprises have reduced operating costs, allowing lenders the freedom to approve loans to more borrowers than ever.

A+ Rating with the Better Business Bureau

First Financial provides offers to borrowers who’ve been rejected elsewhere. You won’t find a safer, more convenient service that creates solutions for subprime borrowers seeking vehicle financing. 

First Financial will never ask you to send money upfront for any reason. We will never ask for your bank account information, social security number over the phone or by email. This information is required and will be asked for on the request form. All request forms must be completed online at our website and do not offer phone or email applications. We do not use any direct mail, email, text or phone solicitation for any service that we offer. We will never offer to deposit money into your bank account, then ask you to take a portion of the money out and send it to us on a prepaid debit card. We do not require insurance, upfront fees or processing fees of any kind.

What Are Basic Lender Qualifications?
  • You need to have a source of income
  • You will need to make at least $800 per month
  • No minimum credit score is required
  • You will need to be at least 18 years of age or older
  • The request form must be completed online
  • You must have a valid email address

How is First Financial different?

While 40% of Americans have subprime credit, nearly 100% drive their cars to work every day. First Financial has helped put many of these drivers on the road. Since 1996, lenders approved 93% of all applicants, most of whom are fair, poor and bad credit borrowers. If you’ve heard “no” from lenders before, it doesn’t mean you can’t get a car loan.

How does the online request form process work?

All information on the online request form is required and used for identity verification.

After completing the online request, you will know in about 5 minutes what your result is. Next you may be presented with an offer and you will need to review and accept the terms and conditions. You need to accept the terms and conditions before the offer is finalized. Once you choose and accept the offer, the money may be deposited directly into you bank account as soon as the following business day.

What are interest rates, loan fees, terms and conditions?

It all starts with the online request form. After we verify your information, you will be presented with offers for your unique situation. Once you receive your offer, you will be able to review all of the rates, fees, terms and conditions prior to accepting the offer. If you are not interested, simply opt out.

Are there up front costs? 

No. Money is not required upfront for any reason.

How do I know my information is secure?

We use 256-bit encryption from Norton Secured powered by Symantec as well as McAfee Secure to scan the online request form.

Take control of the car buying process when you walk into the dealership with the financing secured! 


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: Main: 1-800-950-0212 Fax: 1-800-215-0217 

First Financial® is a Federally Registered Trademark

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