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Bad Credit Loans

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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!

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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

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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.

 

 

First Financial

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