First Financial  

Low Credit Score


Apply Online

Auto Loans Personal Loans Credit Cards

Low Credit Score Loan Services

Because the Majority of America’s Borrowers are in the “Subprime” Category

Where once, a low credit score bounced a borrower out of a bank in a heartbeat, today alternative online lender First Financial® has created legitimate, affordable and secure loans that get funds to the 56% of Americans who fall into the “subprime” borrower category. With a few adjustments, our borrowers have rewarded us with regular payments in full, building their credit scores and our customer base! We knew they would. Traditional banks with high marketing, infrastructure and labor costs simply continue to fall behind the times. Indeed, research has shown that borrowers have been leaving the big, bricks and mortar banks for alternative online lenders like industry leader First Financial.

First Financial is the nation’s leading provider of low credit score loan services. You simply can’t find a more convenient service for borrowers with fair, poor and bad credit scores who need the lowest possible rates & terms. Low credit scores loan services can usually be obtained the same day or within 24 hours.

First Financial’s use of the most cutting edge technology and automation not only saves borrowers money, it protects their privacy and time. The mobile accessibility we provide brings lenders right to your smartphone, tablet or laptop, ready to make their best deals to win your business. Operating now since 1996, we also guarantee the highest levels of banking security available in the United States!

Auto Loans for Low Credit Score Borrowers: Don’t let a low credit score stop you from driving a reliable, attractive and even “smoking’ hot” car. Many car buyers are learning that stepping onto dealer lot with a loan in hand gives them more power to negotiate on price. At least get the low rates First Financial will offer to increase your bargaining power. Smart car buyers take care of the loan first, comparing payments, interest rates and terms at their convenience.

Ready to see how much car you can afford? Go to our Auto Loan page here!

Cash Advances for Low Credit Score Borrowers: Financial emergencies strike nearly everyone. By taking sensible steps, you can get through this period without losing a car, a job or your sanity. Because you arrange the cash transfer from the comfort of home through easy online transfers, you maintain your privacy. Once you’ve completed the process by filling out the final page of the form, you cash will be deposited in your bank within 24 hours. Because we do no not perform a credit inquiry for this short-term loan, your credit score will not be affected. Go to our Cash Advance page here!
Mortgages for Low Credit Score Borrowers: Make First Financial your search engine for mortgage money. We like to use the analogy of a search engine for mortgage money because the home financing options have exploded in recent years. Those borrowers once rejected now can find products tailored just to their needs. Everyone in America should know this! After a year of regular payments, the credit score rises and the borrower can refinance at a lower rate. Check First Financial’s mortgage page here!

Low Credit Score Cards

Don’t fall for the credit offers that arrive in the mail. Designed for the average American with average needs and income, those cards most likely will neither save you the most money nor deliver the best rewards. The student needs a different card from the one the traveler seeks. Homebodies won’t benefit from the card that provides cash back for restaurant meals and other entertainment. We have the best cards designed precisely for those needing the lowest introductory rate, but they’re different from those created for applicants with low credit scores. Check here for First Financial’s options for the credit cards low credit score borrowers need!

You probably qualify for a loan!

Review these typical score breakdowns so you’re ready to fight for the interest rates you deserve.

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” category. The closer your score is to 679, the better. 620 is consider to be a “par” or average 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 currently have “poor” credit.
500 to 580– You can still get credit in this range. More information may be required.
499 and below – Even with as score of 499 or below you can still be extended credit. More information may be required.

Let the Bad Credit Loan BUILD Your Credit Score

First Financial Helps It Happen!

A+ rated First Financial is thrilled when our bad credit borrowers pay regularly enough to move up through poor credit rating to fair to good to excellent! You can be one of these. We will still have lots of loan products for you. And the best way to get there is to demonstrate your reliability by paying the full amount on time, every time.

Keep in mind, too, that once your credit rating goes up, you can refinance your car or home at a lower rate, lowering your payments. First Financial is here for low credit score borrowers. Follow us on Facebook to comment on your experience with us and to get our personal finance tips! The world of borrowing and lending is changing, but we’ll always keep you up to date so you can maximize your money.

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

©1994-2019 First Financial®, All Rights Reserved. All other products and company names are trademarks of their respective companies.