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Frequently Asked Questions – Auto Loans

Get your frequently asked auto loan questions here.

Apply for the Right Auto Loan the First Time


What do I need to qualify for an auto loan?

Basic auto loan lender qualifications:

Can you do auto loans for people with poor or bad credit?

Yes. We work we work with all credit scores.


Can you do auto loans for people with a recent bankruptcy?

Yes. Bankruptcies must be discharged or a letter from your trustee is required.

Can you do auto loans when purchasing through a private seller?

We have the largest dealership network in the nation.

Do I have to go through a certain dealership?

Yes. All applications must be submitted through approved dealerships.

Where are your dealerships located?

We have approved dealerships located in all 50 states, Mexico and Canada. Finding a dealership is never an issue.

What states do you do auto loans in?

We do loans in all 50 States, Mexico and Canada.

Can I use a cosigner for an auto loan?


Can you do loans for motorcycles, ATV’s or mobile homes?

No. We only do new and used cars and trucks.

What are your interest rates, loan fees, terms and conditions?

It all starts with our online application. After we verify your information, you will be presented with the best available loan offer for your unique situation. Once you receive your loan offer, you will be able to review all of the rates, fees, terms and conditions prior to accepting the loan offer.

How much down payment do I need to put down for an auto loan? Stl

That will be determined by your loan consultant after you complete the application.

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

The only requirement we have is if your credit score is lower than 625, you will need at least $1500 per month in income. What is a good credit score?

How does your auto loan application work?

After you complete the application a representative will contact you within 24 to 48 hours.  They will discuss with you if they need any additional information to approve your loan.

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

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

How do I check status on my auto loan application?

Already applied? Click here to check the status of your application. Phone: (866) 902-4403 Office Hours: Monday through Friday 9am to 6pm EST

What if First Financial is unable to do the auto loan?

If First Financial is not able to do the loan for you, our dealership partner will place the loan with one of our 90 other lenders in the network. This insures the highest approval rate in the nation.

Can you do auto loan refinancing?

No. First Financial only provides loans for new and used cars and trucks.

Can you do auto title loans?

No. We do not do title loans.

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

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