Personal Loans

Get The Cash You Need Today!

First Financial is the nation’s leading source for personal loans for people with low credit scores or bad credit. Once you have filled out your online request, on the final page of the form, you will be given directions that you must follow to complete the process. Once approved, your cash is usually deposited in your bank account that evening. If we are not able to approve you instantly you will receive an offer from one of our trusted lenders in our network.
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    • Fast Approvals

    • All Credit Scores

    • Flexible Terms

    • Fast Funding

Personal Loan
  • Fast Approvals

  • All Credit Scores

  • Flexible Terms

  • Fast Funding

Personal Loan

“This service is not available in New York or to New York borrowers due to interest rate limits under New York Law”

At First Financial, we know one score does not reflect an entire lifetime or personality. Our comprehensive application more accurately gauges the subtleties of an individual’s financial situation. Designed by a team of experienced financial managers, it’s allowed us to place thousands of personal loans for people with special needs. Even most students, bankruptcy-filers and those needing bad credit personal loans get financing through First Financial.


“The service is excellent… it’s a lot more convenient than going into the office and waiting hours upon hours to get approved.” Samuel

Do you Qualify for a Loan?

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 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. 620 is the prime rate cut-off.
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 can still be extended credit. More information may be required.

First Financial Personal Loans – Fast and Hassle-Free

More, it takes just minutes to apply and you’ll know whether you’ve qualified instantly in most cases. The money arrives in your account within hours! Why let your local bank take up so much of your time and effort when you can apply online from the comfort of your home and get lower rates? Let First Financial personal loans get money in your checking account fast with no hassle with A-Rated First Financial!

Big banks leverage their huge marketing budgets in efforts to convince consumers they have the best offer.

In truth, they can have twice the interest rates on personal loans than the lower-profile financial institutions. All banks are thrilled to find customers with solid credit ratings. At First Financial, we prize our financially responsible applicants, rewarding them with lower interest rates and great terms

Our top of the line, secure personal loan has gotten rave reviews from discerning news sources like The New York Times, The Wall Street Journal and CNN. Its source even made Forbes’ Most Promising Companies list. We’ve become media darlings because by working online, we are able to cut costs and shorten approval timelines. We pass those savings on to you! It takes just minutes to apply and get your interest rate. Finally, we use the most advanced software to protect your privacy and security.

Poor Credit? We Still Make Fast and Easy Options Available to You

The Great Recession and housing crash took a mighty toll on many Americans, ruining their credit. First Financial understands how quickly the credit scores of even the most responsible among us can plummet. If your credit score is 330 – 660, we still work hard to find the best cash advance and payday loan options for you. As with all of our products, the application process takes just minutes and you get offers, if not immediately, then within 24 hours or less. Apply today!

First Financial

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  First Financial - 3220 Russell Street San Diego, California 92106

  1-800-315-7791 phone | 1-800-215-0217 fax  

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