First Financial  
 
Auto Loans

Auto Loans

Finance Your Dream Car with Any Credit Score!

Apply in 3 Minutes or Less for up to $95,000

What are the qualifications for getting an auto loan?

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Questions call: 1-800-315-7791 

A+ Rated Better Business Bureau

Today, every aspect of acquiring and managing the auto loan can take place on a laptop or tablet. First Financial helps you take advantage of the opportunities and convenience provided by the most secure online lenders.

Auto Loans for Low Credit Score and Bad Credit Borrowers

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 $95,000.

Internet storefronts and processing cuts costs for both borrowers and lenders so that more loans get approved. Even better, 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

Did you know that nearly 50% of all Americans have credit scores in the subprime categories?

First Financial welcomes applications from those with low credit scores, bad credit, poor credit, no credit or bankruptcy. If we didn’t serve this large market, our customer and prospect numbers would be drastically reduced!

When it comes to purchasing a pre-owned car or truck with a problematic credit history, you simply can’t find a more convenient or safer website that offers vehicle loans online nationwide at the lowest possible auto loan rates. Since 1993, our network of lenders has approved 93% of all applicants through our easy, confidential application and quick email response.

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

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 demonstrate our dedication to our customers.

Easy Online Auto Loan Application

Easy Online Auto Loan Application

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? Is it ideal 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 incentives. With pre-approved financing, car buyers can negotiate the rebate and even consider using the rebate as a down payment. Flex that buying muscle!

More, when you work on your car loan from home, you have the time and freedom to check car prices, reviews and even your bank statements and other bills. If you don’t want to decide in that minute, just shut off the computer or smartphone and revisit your offer the next day. Phew!

First Financial’s Reasonable Auto Financing Qualifications

Our Easy Requirements May Surprise You!

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 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.

These show up in the credit histories of millions of Americans. Over the past 7 years, we’ve had the privilege of watching our customers emerge from bankruptcy better than ever. First Financial wants to become the friend of fair, poor and bad credit borrowers now, when you need us! More good news is that car loans actually help you improve your credit score.

Our network of lenders approves 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

Uploading this documentation to the appropriate page or emailing it to us takes minutes. Wondering how to show proof of residency or intent to buy? Our friendly customer services representatives can give you plenty of examples and guidance.

We cover just how much people are spending on their cars today.

Subprime Auto Loans for Active and Retired Duty Military

Serving those who serve the rest of us.

First Financial is dedicated to serving members of the armed forces who sacrifice so much to protect those 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 demands 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 offer 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.

First Financial Makes It Happen

A+ rated First Financial has seen it thousands of times: the bad credit borrower who pays regularly and then moves up from a poor credit rating to fair to good to excellent! You, too, can be one of these borrowers. Demonstrate your reliability by paying the full amount on time, every time, and the credit bureaus reward you.

Low credit score borrowers aren’t limited to junker cars.  Widen your options and get a reliable car, exciting car you’ve been dreaming of when you apply through First Financial!

Apply Now


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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