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After more than 20 years serving bad credit borrowers, First Financial is the nation’s leading provider of low 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.

Auto Loans

Finance Your Dream Car With Any Credit Score!

Apply in 3 minutes or less for up to $95,000


Auto Loan Customer Service

One of every five cars is financed with a “subprime” (bad credit) car loan. If you secure that loan before you step onto the dealer lot, you don’t even have to discuss your credit score. You got your loan with just a few keystrokes.

Changes in consumer tastes have made it easier for borrowers with bad credit to get reasonable auto loans. Car sales have been declining since 2017, a trend experts predict will continue into the 2020s. After living through the Great Recession of 2008 to 2012, Millennials and Gen Yers avoid debt. Further, urban dwellers depend more and more on cars services to supplement public transportation, avoiding car ownership all together. Finally, increased awareness about how carbon emissions contribute to global warming is turning Americans off on car ownership.

These trends mean that car dealers and salespeople will do more to move their cars. They won’t bat an eye that you have a bad credit score auto loan. They know many Americans are still rebuilding credit or are new to credit. Dealers even watch the bankruptcy rolls and shoot out letters to new filers explaining how they can help get them into a new car. Further, if you explain that you are new to credit or are rebuilding your credit, they’ll emphasize how having an auto loan can further that goal. They’re right!

Still most finance experts agree that it’s best to walk onto the dealer lot with your loan already arranged. Then you can work the sales person down on the car’s price. An online loan service like First Financial can beat dealership loans and help you make the best deal on the car itself.

See how much car you can afford when you apply for a First Financial auto loan!

Personal Loans

Get The Funds You Need Fast!

Get your result in 5 minutes or less.



Personal Loan Customer Service

People with maxed out credit cards can improve credit scores and simplify bills by consolidating credit cards with a personal loan. This step can improve your credit score significantly because the personal loan lowers credit utilization ratios, adds variety to loan types and indicates responsible financial management. Strong showing for all of these criteria strengthen credit profiles. Nearly everyone that uses a personal loan to consolidate high-interest-rate credit cards finds their credit score rising.  

Personal loans also work well for car repairs, medical and funeral expenses. First Financial makes it possible to handle these crises quickly by providing personal loans to borrowers who are new to credit or rebuilding credit.

If a large, bricks-and-mortar bank has turned you down because of a bad credit score, First Financial can help. Our personal loan application is designed by a team of experienced financial managers that focus on those rebuilding credit or new to credit. Our comprehensive application more accurately gauges the subtleties of a borrower’s financial history. Since 1996, we have helped arrange personal loans for borrowers with special needs, students, bankruptcy-filers and low-income individuals. Know, too, that taking proactive steps to rebuild credit after making some financial mistakes involves many positive experiences. Read about the benefits of tackling a tough situation.



Cash Advance

Safe, Secure and Fast Funding!

Get your result in 5 minutes or less.


Cash Advance Offer


Did you know that  that 40 percent of Americans can’t make an unexpected $400 payment borrowing the money or selling a cherished possession? That’s what the Federal Reserve of the United States discovered in their most recent study.

By taking sensible steps, you can get through a cash crunch without resorting to drastic measures. Instead, you can arrange a cash transfer with our Cash Advance  application from the comfort of home. A few keystrokes in five minutes or less gets money in your bank account within 24 hours. Best of all, a cash advance does not impact your credit score. First Financial does not make a credit inquiry for a cash advance.  

Solutions for Those New to Credit or Rebuilding Credit

First Financial is America’s leading source of auto, cash advance / payday and personal loans for borrowers with bad credit. Those new to credit or rebuilding credit find a conscientious partner in First Financial.

We’ve chosen to serve bad credit borrowers because we know well that, despite reports of a thriving economy, today, 30 percent of Americans still have bad credit— or scores under 601. Like every other consumer, these borrowers face unexpected expenses and opportunities calling for cash up front. First Financial can meet those needs.

How First Financial Serves Borrowers with Bad Credit, Rebuilding Credit and New to Credit

First Financial can offer more money to more borrowers at the best rates available.

How do we do it?

We developed sophisticated application that takes into account more data points than credit score and income level—the two of the limited points traditional lenders use. Since 1996, First Financial has successfully gauged financial trustworthiness using hundreds of indicators rather than just a handful. Most of our bad credit loan customers have been great at paying on time, fueling our success. We want to repeat that success.

By operating 100 percent online with automated processes, First Financial keeps interest rates for those rebuilding credit or new to credit lower than traditional banks. After all, with their employees, physical branches and Super Bowl commercials, traditional banks have far higher labor, operational and marketing expenses.

Borrowers new to credit and credit re-builders deserve all the extensive safeguards offered to those with high credit scores. When you work with First Financial, rest assured, you will enjoy:

  • Online Safety: We get money to our clients’ bank accounts every day using the highest level of online security the U.S. Treasury Department permits.
  • Online Convenience:  Why sit in front of a bank employee explaining your financial issues when you can do it all seamlessly online? In a few keystrokes on your computer keyboard, funds transfer to your bank account in 24 hours. We even save you the hassle of a telephone call.
  • Online Savings:  We know too well how easy it is for you to click away from our page to a competitor’s. That’s why we immediately offer the most competitive products and terms targeted to those who are new to credit or rebuilding credit. Further, because we carry out bad credit loan transactions online, we can pass our savings on to you. Automation means lower costs on our end which translate to borrowers.

Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers

First Financial

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