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About First Financial | Learning About Us Pays Off

Find out what makes First Financial one of the world’s leading merchant services, personal loan, and auto loan providers, or contact us today to learn more about our services.

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Our Mission

At First Financial, we are committed to helping our clients do more with their money and get more out of life while helping them protect their financial futures. We are always looking for innovative new solutions to streamline the personal loan and personal auto loan process while helping small businesses get the merchant services they need to serve their communities. We offer some of the most favorable terms in the industry and 24/7 support, so you know you always have the support you need to manage your loans with ease.

Why Choose First Financial?

Our goal is to set you up for success, whether you need an affordable auto loan provider, personal loan provider, or merchant services provider. Continue reading to find out why our clients choose us time after time.

A+ Rating by the BBB

When you choose First Financial, you know that you are working with a company that has a reputation for excellence, and we believe that our BBB A+ rating reflects that.


The lending industry is ever-changing, but one thing remains the same–our commitment to honest lending practices. Our goal is to help you keep more of your own money while helping you make it go further.

Exceptional Customer Service

Our team is always here for you to ensure that you have the support you need to navigate fluctuating interest rates and make the best financial decisions for your family.

Learning About us Pays Off

Please take the time to learn about us and our mission statement. Learn more about us from our excellent reviews.

Committed to navigating today’s financial markets with integrity, while providing unparalleled service and value on every transaction. Our friendly, knowledgeable and professional staff will inspire you to experience what true service is all about. Acknowledged as a leader and a preferred partner in the rapidly evolving consumer lending markets; we are here to serve you.

A+ Rated Better Business Bureau

Our diverse partnerships consists of over 400 referral relationships of all sizes. Some business types, include associations, banks, credit unions, financial institutions, franchises and internet companies.

Products and Services We Offer

Auto Loans:

Auto Loans

93% of all applicants approved! And this includes the fair, poor and bad credit applicants that make up 56% of all American borrowers. Since 1996, we have processed over 1,000,000 bad credit auto loans, some with approved amounts of up to $45,000. Now, years away from the Great Recession, we know lots of bankruptcies are about to fall from borrowers’ credit reports. Learning about us pays off. We strive to provide car loans to this hard-working population before traditional banks realize what they’re missing! More, by providing all the security a traditional, bricks-and-mortar bank can offer, we keep customers’ money secure 24/7.

Personal Loans:

Personal Loans

First Financial is the nation’s leading source for personal loans, for people with low credit scores or bad credit.  Stay on top of your finances conveniently when you work with BBB A+ rated First Financial!

Merchant Services:

Merchant Services

With consumers handing over plastic in 66% of all purchases now, it’s critical all businesses accept credit, debit and gift cards. A leading provider of quality, secure merchant services to those in high-risk industries. First Financial welcomes applicants turned down by more traditional banks. 

Additional Products and Services we Offer

Online alternative service First Financial offers big bank security AND a variety of card options to help you maximize your cash flow. Traditional banks send the same offer to thousands without considering individual financial limitations and goals. The credit – Frequently Asked Questions

First Financial® | Corporate Headquarters | Mailing Address: First Financial 8880 Rio San Diego Dr. 8th Floor #2011 San Diego, CA 92108

Client Service Center:  Main: 1-800-315-7791 Fax: 1-800-215-0217

First Financial® & First Financial Online® are Federally Registered Trademarks

©1996-2023 First Financial®, All Rights Reserved. All other products and company names are trademarks of their respective companies. First Financial® does not provide any investment, financial, tax, legal or other professional advice. We recommend that you consult with financial and tax advisors to understand the risks and consequences of buying, selling and holding Bitcoin.*Not all lenders can provide up to $5,000. Must be 18 or over, outside of New York, South Dakota and Hawaii to sign up for a Bitcoin Savings Account.