First Financial  
Auto Loans

Auto Loans

Finance Your Dream Car, No Matter Your Credit Score!

Apply in 3 Minutes or Less for up to $45,000

What are the qualifications for getting an auto loan?

Questions call: 1-800-315-7791 

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A+ Rated Better Business Bureau

If it’s been a while since you last researched auto loan rates and terms, you’re probably discovering that the process has changed. Today, every aspect of acquiring and managing the auto loan can take place on a laptop or tablet. You can even reach your bank through Facebook! 

As a leading American provider of bad credit auto loans, First Financial steps you through all the ways the Internet has come to the rescue of the subprime borrower. Since 1996, we have processed over 1,000,000 bad credit auto loans, some with approved amounts of up to $45,000.

Internet storefronts and processing cuts costs for both borrowers and lenders so, that more loans get approved. We have done it with every bit of the security and protections the large, bricks and mortar banks promise.

Check the status of your application: Application Status

Fast Approvals on Bad Credit Car Loans – Loans in All 50 States – First-time Buyers – All Credit Scores – Bankruptcy

First Financial welcomes applications from those with low credit scores, bad credit, poor credit, no credit or bankruptcy. A key industry report found that 56% of Americans exist in these “subprime” categories.[i] We’re thrilled to serve such a large market! When it comes to purchasing a pre-owned car or truck with a problematic credit history, you simply can’t find a more convenient website that offers vehicle loans online nationwide at the lowest possible auto loan rates. We approve 93% of all applicants through our easy, confidential application and quick email response.

The A+ Rated Lender in Your Living Room:  24/7 Access

First Financial’s lending partners ensure you never have to spend time and emotional energy negotiating in person again. We hope our A+ rating with the Better Business Bureau and 5-star reviews create the trust people generate when interacting in person.

When you work with an Internet lender, you manage your loan anytime, anywhere. Specifically, you can:

  • Manage payments from your laptop, tablet and your mobile device.
  • View your statement anytime and save it as a PDF for easy printing.
  • Update your account profile anytime, if you move or want to change your logins.
  • Make a one-time payment, set up auto-pay or schedule future payments.

Doesn’t that sound better than hassling in a car dealer’s tiny financing office?

Auto dealers would like to convince you that financing through them is the easiest, most convenient option… Really? Is it easier to make a long-term financial decision while under pressure from two or more sales people? How about, when a car salesman makes you feel like he’s doing you a big favor by even extending car financing in the first place?

Obtaining auto loans for bad credit or even great credit should not involve such hassle and discomfort. Getting the loan taken care of before you step through the dealer doors, frees you to focus on new car price, trade-in price, rebate and other dealer incentive. With pre-approved financing, car buyers can negotiate the rebate and even consider using the rebate as a down payment. Flex that buying muscle!

We Make It Easy To Finance Cars

A+ Rated First Financial’s Easy Requirements

Because we specialize in fair, poor and bad credit auto loans, we keep our requirements strict enough so that the loan won’t become a burden to the borrower, yet still easy or “loose” enough to allow the vast majority (93%) of applicants to win approval. The presence of a bankruptcy on a credit report doesn’t even phase us. They show up in the credit histories of millions of Americans. With the economy recovering, however, we know that these bankruptcies are about to drop off. First Financial wants to become the friend of these borrowers now, when they need us!

Rest assured that we approve most applications where the borrower can show:

  • $1,500 gross monthly income if your credit score is less than 625
  • Proof of U.S. or Canadian residency
  • Proof that borrower is 18 years or older
  • Completion of the “341 Meeting of Creditors” if a Chapter 7 bankruptcy is on the credit report
  • An ”Authorization to Incur Debt” from the trustee if a Chapter 13 bankruptcy is on the credit report
  • Intent to buy car from our thousands of authorized licensed car dealer partners

Scanning this documentation shouldn’t take long. Uploading it to the appropriate page or emailing it to us takes minutes. If you’re wondering how to show proof of residency or any of the other items, our friendly customer services representatives can give you plenty of examples and guidance.

Subprime Auto Loans for Active and Retired Duty Military

First Financial is dedicated to serving members of the armed forces who sacrifice so much to protect those of us, who remain OUT of harm’s way. We understand that those in the military undergo hardships beyond battle: relocations, unreachability, medical issues and more. All of these factors make establishing and maintaining credit very difficult. Military personnel should not suffer because of the nature of their duties. Our financial professionals work these inescapable circumstances into our calculations for approvals, loan rates and terms. We think you’ll be surprised at the great rates and terms we’re excited to share with our military applicants.

You Probably Qualify for a Loan!

700 and Above – Very good to excellent. We will have no problems giving you a loan with a credit score of 700 or above.
680 to 699 – This credit score puts you in the ” Good / Fair” category. That one point between good and very good to excellent credit generally makes little difference to lenders.
620 to 679 – If your credit score falls into this range, you fall into the “Okay”or “fair” category. The closer your score is to 679, the better. 620 is considered to be a “par” credit rating.
580 to 619 – While you aren’t in the “Bad” category yet, you are teetering on the edge if your credit score falls in this range. You are officially in the “poor” credit category.
500 to 580– You can still get credit in this scoring range. More information may be required.
499 and below – Yes, even with as score of 499 or below you may still be extended credit. More information may be required.

Let the Bad Credit Auto Loan BUILD Your Credit Rating

First Financial Helps It Happen!

A rated First Financial has seen it thousands of times: the bad credit borrower who pays regularly and then moves up through poor credit rating to fair to good to excellent! You can be one of these. And the best way to get there is to demonstrate your reliability by paying the full amount on time, every time.

Keep in mind, too, that once your credit rating goes up a notch, you can refinance at a lower rate, lowering your payments.

You aren’t limited to a junker just because your credit score is low. Widen your options and get a reliable car, exciting car you’ve been dreaming of when you apply through First Financial!

Apply Now

[i] Marte, Jonelle. “The majority of consumers have subprime credit scores, report says.” 29 January 2015

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


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