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Auto Loans

Apply with Confidence to the Innovative Leader in Auto Loans

Finance your dream car with any credit score.

First Financial has approved thousands of first time buyers and bankruptcy-filers for auto loans for people with bad credit and low credit scores.

Apply in 3 minutes for up to $95,000.


Take Advantage of the Newest Way to Qualify

Auto loan approval based only on credit score is just too limiting . . . for applicants AND for lenders. Our comprehensive online request form considers employment, rent , bill payment and more to approve far more applicants. You deserve to qualify!
A+ Rated Better Business Bureau 


“I can’t tell you how thrilled I was to hand my loan Pre-Approval to the dealership that turned me down just 3 days before! Love my sweet ride, thanks”  🙂

Paul K. Pittsburg, PA

“Kenneth and Michelle made sure to answer all of my questions and stepped me through the process. It was quick and I got the online part done in minutes.  Love First Financial!”

-Janet B, Littleton, CO

“First Financial proves that getting an Auto Loan with fair or poor credit doesn’t have to be a humiliating experience. I got it done in minutes and everything went smooth.”

Steven Z Memphis, TN

Drive Like a Diva

40% of Americans have subprime credit. They still drive to work every day. You can arrive in style when you walk into the dealership with a pre-approved loan!

Average Auto Loan Rates According to Credit Score

Average Car loan rates chart

*Source: Experian

Protect Your Information with Iron-Clad Banking Level Security

You won’t find a safer, more convenient service for auto loans for bad credit, fair credit, good credit, or any credit score. Our system is shielded with 256-bit encryption, every bit of what  the United States Treasury Department requires.

More about First Financial Security

Hassel-Free Steps to Your Approval

Getting an auto loan to get to your job and important events shouldn’t be a hassle. You must complete all of the information on the request form so that we can verify your identity.

After completing the online request, you will know in about 5 minutes what your result is and someone will contact you shortly. Next you may be presented with an offer and you will need to review and accept the terms and conditions before the offer is finalized. 

Still Worried About Qualifying for an Auto Loan?

First, your auto loan application has no impact on your credit score. 93% of our applicants easily get approval!

More Questions? Use these FAQs

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

It all starts with the online request form. After your information is verified, 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 or you may opt out.

Are there up front costs? No

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! 

How is your Safety is prioritized?

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 to the most reputable lenders. State of the art automation and low-cost internet automation have reduced operating costs, allowing lenders the freedom to approve loans to more borrowers than ever. Your Safety, Prioritized

More Frequently Asked Questions

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. You must complete all of the information on the request form. We do not offer phone or email applications. You must complete the form online at our website. First Financial does use any direct mail, email, text or phone solicitation for any service that we offer. In addition, 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.

More Questions? First Financial auto loan specialists are happy to help!

Help Desk

First Financial

First Financial® Corporate Headquarters: 2907 Shelter Island Drive Suite 105-620 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)

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