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What credit score do I need to qualify for an auto loan?

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What credit score do I need to qualify for an auto loan?

While we can’t guarantee that every case will be approved, we do recommend meeting as many of the following requirements to insure the best possible opportunity for becoming successfully financed.

  • You need at least $1,500 gross monthly income if your credit score less than 625.
  • All Bankruptcies must be discharged.
  • Have no repossessions in the last year unless included in your bankruptcy.
  • The loans are for automobile purchases from our authorized licensed car dealership partners.
  • All US Residents must be at least eighteen years of age.

Financing Options We Do Not Support

  • Finance Motorcycles
  • Finance private purchases
  • Refinance current loans
  • Arrange financing from non-network dealers

All loans requests are processed through our local dealership partners. Loans are for the purchase of a vehicle from our local dealership partners. After you are approved we will provide you with a list of authorized dealerships. We have the largest dealership network in the nation.

How does the application process work?

After you complete the application, someone will contact you to discuss the application within 24 hours. We offer auto loans in all 50 states. If we are not able to fund the loan we will recommend someone else in our trusted network who may. You will need to complete the process with them.

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. 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. All of our applications must be completed online at our website.

 

 

 

 


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

 

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