First Financial  

What do I need to do to qualify for a personal loan?

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. 

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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.

What do I need to do to qualify for a personal loan?

  • We do not go by credit score, so no minimum credit score is required.
  • You will need to make at least $800 per month.
  • 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. We will let you know in about 5 minutes what you qualify for. You must accept the offer before the loan is processed. Once you accept the offer the money will be deposited directly into you bank account. If you are not interested simply opt out. In some circumstances we may need more information from you, and the approval process can take 24 to 48 hours.

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


First Financial® is a Federally Registered Trademark

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