First Financial  

What are your personal loan qualifications?

Click on Apply Now and enter your zip code to see if there are programs available for you.

Apply and get your approval in 5 minutes or less. Applications are accepted online 24/7

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A+ Rated Better Business Bureau

How is First Financial different?

It all starts with our online application. Our online application is the most comprehensive in the industry. It was designed by a team of experienced finance managers that have placed tens of thousands of loans, for people with low credit scores or bad credit. Our online application takes into consideration many factors such as income, employment, residence and banking history. Allowing our finance managers to evaluate your application quickly and accurately. Typically issuing a decision in as little as 5 minutes. Even though we have a very high approval rating, not everyone will qualify. We recommend meeting as many of the qualifications required as possible to get an approval. If we need additional information from you, we will reach out to you to discuss your application. Also, if we are not able to approve you instantly, we will recommend someone else in our trusted network who may. It is up to you to complete the process with them.

What are the qualifications for getting a personal loan?

  • You need to have a source of income.
  • You will need to make at least $800 per month in income.
  • We do not go by credit score, so no minimum credit score is required.
  • You can not have any outstanding loans with First Financial currently.
  • You will need to be at least 18 years of age or older.
  • The application must be completed online.

How does the application process work?

All information on the application is required and used for identity verification and loan qualification. After completing the application; we will let you know in about 5 minutes, what you qualify for. You will be presented with a loan offer and will need to review the terms and conditions. You must accept the terms and conditions before the loan is processed. Once you accept the offer, the money will be deposited directly into you bank account by the following day.

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.

Are there up front costs when applying for a loan? 

No. We do not require money up front for any reason.

How do I know my information is secure?

SSL Secure Application:

Only applications linked from are coming from us. We use 256-bit encryption from Norton Secured powered by Symantec as well as McAfee Secure to scan our application for malicious software. Our site is on a dedicated server and continuously tested and certified to be free of malware, viruses, phishing attacks  and other threats that can harm you and your computer.

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. This information is required to apply for a loan and will only be asked for on the application. All of our applications must be completed online at our website. We do not do phone or email applications. 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. We do not require insurance on loans, upfront fees or processing fees of any kind.

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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