First Financial  
Frequently Asked Questions – About

Frequently Asked Questions – About

If your question is not answered please submit it to our Help Desk

Do you need a checking account to apply for a personal loan?

Yes. You can also use a check card with an account number and routing number.

Is First Financial a direct lender?

Yes. If we are not able to approve you, we will recommend someone else in our network. You will have to complete the process with them.

Can I use a direct deposit card when applying for a loan instead of my bank account?

Yes. It needs to have an account number and routing number.

How do I access my loan online?

Please contact your lender directly.

Do you run credit when applying for a personal loan?

No. We do not run credit when applying for a personal loan.

Do you run credit when applying for an auto loan?

We do run credit when applying for an auto loan.

What types of services do you offer?

Auto loans, business loans, commercial loans, ATM Services, personal loans, cash advance loans, mortgage loans, credit cards, prepaid debit cards, merchant services, high risk merchant services and merchant cash advance.

Where are you located?

First Financial ® Corporate Headquarters2850 Womble Road Suite 100-604 San Diego, CA 92106

How do I know that First Financial is a real company?

First Financial has an A+ rating from the Better Business Bureau and has been in business for over 20 years.

Are you First Financial Bank?


Are you First Financial Credit Union?


Are you Peoples First Financial?


Does First Financial share your information?

If First Financial is not able to approve you for a loan, you will be presented with an offer by someone in our network. We will provide them with your basic information and you would need to complete the application with them. We recommend you review our privacy policy.

What kind of loan is best for me?

Go to and select the offer that works best for you. After you complete the application, we will let you know what you are qualified for. Then you can decide what is best for you.

Does applying for a loan with First Financial affect your credit score?

When applying for a personal loan with First Financial we do not run your credit, so it does not effect your credit score. Other offers like auto and business loans will run your credit and may affect your credit score as an inquiry.

Can I have a cosigner on my application?

We do not allow a cosigner for personal loans, for other offers like auto loans we will allow cosigners.

Does First Financial offer debt consolidation loans?

First financial does small personal loans up to $2500.

Does First Financial accept Disability income on the application?


What if I do not have internet access?

We only accept application through our website so internet access would be required. You could go to the library or an internet cafe to complete your application.

Are you able to get a personal loan from First Financial to build up your credit if you have previously filed for bankruptcy?


Do you accept 1099 income from self employed people for a loan?


What is the lowest credit score you will accept for a loan?

Many of our products do not go by credit score.

I’m trying to get a payoff or lien release for Peoples First Financial.

Sorry we are NOT Peoples First Financial. You have the wrong company.

 How does the application process work?

All applications are currently active and online. Simply go to the website and select the offer that works best for you. Once you apply, you will be presented with an offer and a representative will reach out to you.

Can you use child support, disability, social security or benefit income to qualify for a loan?

Yes. We will consider all types of income.

If  I am approved for an auto loan do I need to go to a specific dealer?

Yes. We have the largest dealership network in the nation.

How long does it take to get an answer when applying for a loan?

If you are not approved in 5 minutes, it may take up to 24 to 48 hours to get an approval.

If your question is not answered please submit it to our Help Desk

Complete the form below.

First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 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)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


First Financial® is a Federally Registered Trademark

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