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Can I get approved even if I have no credit?
Yes. First Financial is not credit score driven. We base our approvals on income, employment, residence and banking history.
700 and Above – Very good to excellent. We will have no problems giving you a loan with a credit score of 700 or above.
680 to 699 – This credit score puts you in the ” Good / Fair” category. That one point between good and very good to excellent credit generally makes little difference to lenders.
620 to 679 – If your credit score falls into this range, you fall into the “Okay”or “fair” category. The closer your score is to 679, the better. 620 is considered to be a “par” credit rating.
580 to 619 – While you aren’t in the “Bad” category yet, you are teetering on the edge if your credit score falls in this range. You are officially in the “poor” credit category.
500 to 580– You can still get credit in this scoring range. More information may be required.
499 and below – Yes, even with as score of 499 or below you may still be extended credit. More information may be required.
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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