Home > Cash Advance Solutions

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First Financial is America’s leading source of short-term cash advance / payday loan offers for people with low, fair or bad credit scores. We put the customer first by enabling him or her to arrange the cash transfer from the comfort of home through easy online transfers. Once you’ve completed the process by filling out the final page of the form, your cash can be deposited in your bank by the next business day.


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First Financial helps make solutions available to most students, bankruptcy-filers and low-income applicants. The solutions offered provides the money you need between paydays. The smartest way to use it is to pay it off once you get paid from your employer.

The solutions offered have benefits over other forms of payment. First, the lender never asks what the money is for, and even better, a cash advance may not impact your credit score. Then, the lender doesn’t require you “secure” the loan with “collateral” like a house or a car. Qualifying is typically relatively easy, requiring only proof that you earn a certain amount, are 18 years old and have a checking account. You’ll be able to speak to the lender the day you apply to clear up any questions you have. If you don’t have the money to pay the loan off in the stipulated time period, the lender can often change the loan terms.

And fast? The online request process is a breeze. No other form of loan works faster than the cash advance, and that includes the personal loan for the higher-credit-score borrower!


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We have approved applicants from ALL walks of life:

At First Financial, we understand that these life hassles impact those in all neighborhoods and income levels. Surprises shouldn’t force you into life-altering situations. Job loss, medical issues, emergency travel and household repairs happen, often several times throughout a lifetime.


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Once looked upon with suspicion, online cash advances have become a convenient option for many. First, encryption and online security technology makes online cash advance just as safe—and infinitely more convenient—than running across town to get a cash advance. We’re happy to share the best ways to reduce cash advance costs / payday loan. After all, in business since 1996, we want to win your long-term loyalty.

We make the cash advance options clear, so that you can choose the best offer for you. Able to pay off the loan sooner rather than later? We’re happy to oblige. With everything orchestrated online, you can apply, see the cash in your personal checking account and make a payment within a day or two of starting the process. If you’ve noticed the corner cash advance offices closing, you can blame us. Our convenience and no-hassle application ensures borrowers get the cash they need when they need it.


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When managed properly, the cash advance gets many borrowers through stressful situations. Read our post about the most common reasons to get a cash advance. We’ve also compiled thorough answers to the most common cash advance questions.


[expand title=”The Cash Advance and Your Credit Score: Good News “]

Maintaining a good credit score is a key element of competent financial management. Most know that when they apply for and/or get a new credit card, their credit score drops a few points. It surprises many that the cash advance doesn’t impact the credit score at all—if it is paid off on time. Given prompt repayment, credit card bureaus never even know about a cash advance.

Further, the cash advance (when repaid on time) helps borrowers stay current on other bills. Late payments on department store and credit cards do get reported to the credit bureaus. Keeping those bills paid maintains a credit score, making the fee for the cash advance worth it. Before taking the cash advance, make sure it’s acting as this bridge rather than some kind of month-over-month solution.

Online borrowing and banking has another advantage when it comes to cash advances. When the cash advance facilitated through your bank account, the Credit CARD Act of 2009 ensures that your bank pays the highest-interest rate balance before lower interest rates charges, even if these are older. Even if you didn’t intend to pay off this high-interest rate balance, your bank makes the decision for you.

Borrowers can take cash advances with every intention of paying them back right away. But if the payment date comes and goes with no payment, the default or late payment is reported immediately to the credit bureaus.


Between unexpected medical, car and even travel expenses, at some point, most Americans find they need cash that they just don’t have. Despite a strong economy, many middle class Americans still struggle.  The cost of public universities doubled from 1996 to 2016 and housing in cities has tripled and even quadrupled. These critical costs make other expenses impossible to pay.”



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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