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Frequently Asked Questions – Personal Loans

Frequently Asked Questions – Personal Loans

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A+ Rated Better Business Bureau

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

Why do you ask for my routing number?

Since we do not go by credit score, we need your routing number to verify your identity. In addition, we require your routing number to disburse your funds once approved. If you are not approved or do not accept an offer from us, the information is deleted.

Why do you ask for banking information when applying for a personal loan?

Banking information is required and is used for identity verification. Your information is deleted if you do not accept an offer from us.

What are the qualifications for getting a personal loan?

More Info: What are the qualifications for getting a personal loan?

How does your personal loan application process work?

Complete the application at our website. Once you are approved, review the terms and conditions and accept the offer. We will deposit the funds directly into your account.

What are the qualifications for getting a personal loan?

Since we do not go by credit score you will need to make at least $800 per month. You need to complete the identity verification by filling out the application online. You can not have any outstanding loans with first financial and we will determine what programs are available for you. You have to be at least 18 years or older.

Do you do personal loans in my state?

Simply go to any of our applications and enter your zip code to see if we offer the program in your area. If we do not offer the program in your area, you will not be able to submit an application.

Are you looking for the status of your application? How do I check the status of my application? I’m a returning customer.

If you are a returning customer or would like to check the status of your application please select “I’m a Returning Customer” on the application page. Please note for security reasons your information may only be available in our system for up to 48 hours. You will be prompted to re-enter your information to receive an underwriting decision if we can not find your information in our system. Click here for application status: Application Status

Do you require money upfront for a personal loan?

No. Not for any reason.

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. If you are not interested, just opt out and we delete your information.

Can I apply over the phone, email, through the US mail or text for a personal loan?

No. All applications must be completed online at our website. If you do not have access to the internet, you will not be able to complete an application with First Financial.

How long does it take to get approved?

Complete our easy online application and get a response in as little as 5 minutes.

How do I apply for a personal loan?

https://www.firstfinancial.com/personal-loan/

Do you work with low or bad credit score borrowers for personal loans?

Yes. We do not go by credit score.

Do you run my credit when applying for a personal loan?

No. We do not run your credit.

Why do you ask for banking information when applying for a personal loan?

Banking information is required and is used for identity verification. Your information is deleted if you do not accept an offer from us.

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.

When can I get the funds when I’m approved for a personal loan? When can I expect to receive the funds after applying for a personal loan?

If the application is completed early enough in the day the funds will be deposited in your account that day or by the following day.

Are you the a lender making the personal loan?

Yes. We have the first option to fund the loan. If we are not able to do the loan for you we may present you with an offer from another partner. You would need to complete the process with them.

How much money can I borrow on a personal loan?

Currently our maximum personal loan is $2500.

What If you can not approve me for a personal loan?

If we are not able to approve you, we will recommend someone else in our network who may. You would need to complete the process with them.

Do you need a bank account when applying for a personal loan?

Yes. You can also use a prepaid card that has a routing number and account number associated with it.

What type of income can I use to be approved for a personal loan?

If you’re collecting employment income, self employment income, pension, social security, disability, child support or government benefits you may use this to qualify.

How do I check the status of my personal loan application?

https://www.firstfinancial.com/status/

How old do you have to be to get a personal loan?

You have to be at least 18 years or older.

How much money do I need to make to get a personal loan?

You need to receive at least $800 a month.

Does everyone qualify for a personal loan or is is guaranteed?

Even though our approval rating is very high, not everyone will qualify.

Do you offer instant approvals for personal loans?

Yes. Sometimes more information may be needed to issue an approval.

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

No. You just need an account with a routing number and account number.

Do you do loans for people who have filed chapter 7 or chapter 13?

Yes. We do not have any restrictions for previous chapter 7 or chapter 13.

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

Yes. We will use most types of income.

Do you work with low credit scores?

Yes.

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.

What are your personal loan qualifications?

Since we do not go by credit score you, will need to make at least $800 per month. You can not have any outstanding loans with First Financial currently. We will let you know instantly what you qualify for. Also you will need to be at least 18 years or older.

Can you apply online?

Yes. All applications are online at our website.

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

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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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