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Basic Lender Qualifications

Since we do not go by credit score, completing the online request form will not affect your credit report. 

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How is First Financial different?

It all starts with the online request form. The online request form is the most comprehensive in the industry. It was designed for people with low credit scores or bad credit. The online request form takes into consideration many factors such as income, employment, residence and banking history. Typically issuing a result in as little as 5 minutes.

Here are some of the basic qualifications:

How does the online request form process work?

All information on the online request is required and used for identity verification. After completing the online request, you will know in about 5 minutes what your result is. You will be presented with an offer and will need to review the terms and conditions. You must accept the terms and conditions before the offer is finalized. Once you accept the offer, the money can be deposited directly into you bank account by the following business day.

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

It all starts with the online request form. After we verify your information, 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. If you are not interested, simply opt out.

Are there up front costs? 

No. Money is not required upfront for any reason.

How do I know my information is secure?

SSL Secure Application: https://firstfinancialonlineapp.net/

We use 256-bit encryption from Norton Secured powered by Symantec as well as McAfee Secure to scan the online application form for malicious software. Our site is on a dedicated server and continuously tested and certified to be free of malware, viruses, phishing attacks  and other threats that can harm you and your computer.

We will never ask you for money upfront for any reason.

First Financial will never ask you to send us money upfront for any reason or ask for your bank account information or social security number over the phone or by email. This information is required and will only be asked for on the online request form. All online request forms must be completed online at our website. We do not do phone or email applications. We do not use any direct mail, email, text or phone solicitation for any service we offer. 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 on loans, upfront fees or processing fees of any kind.

First Financial

First Financial® Corporate Headquarters: Mailing Address 4240 Kearny Mesa Rd STE 120 #1033 Kearny Mesa CA 92111

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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