First Financial  
 
Personal Loans

Personal Loans

Get The Funds You Need Fast!

Since we do not go by credit score, completing the online request form will not affect your credit report.

Get your result in 5 minutes or less. 

Basic Lender Qualifications

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A+ Rated Better Business Bureau

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 accepted, your funds are usually deposited in your bank account the next business day.

First Financial is the nation’s leading source for personal loans for people with low credit scores or bad credit.

Questions call: 1-800-315-7791

Click here for application status: Application Status

* This is a no-obligation loan offer service. You must accept the offer presented to you before being finalized.

  • Fast Approvals
  • All Credit Scores
  • Flexible Terms
  • Fast Funding
  • No Hidden Fees

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

Personal Loans for All Borrowers

First Financial not only has the most competitive rates for high-credit-score borrowers, we welcome those with fair, poor and bad credit as well. If we didn’t, our target market would be cut in half!

Nearly 50% of Americans now have “subprime” credit scores. More, a recent survey of 3,000 full-time workers conducted by CareerBuilder found that 78 percent live paycheck-to-paycheck and 71 percent are in debt. A full 50% of millennials have a “side-hustle,” as do 37 percent of their counterparts from other generations. Even with the economy doing well, people still struggle mightily because of the increases in housing and education costs.

When expenses come up, the average American tends to turn to credit cards. The personal loan can be a better option because of lower interest rates and its beneficial effect on a credit score. Borrowers use credit cards mostly because of the convenience, but with most lenders now taking applications, sending approvals and transferring money to bank accounts completely online. Personal loans are just as convenient as credit cards.

The most common purposes for personal loans include:

  • Debt consolidation
  • Home remodeling
  • Wedding
  • Moving expenses
  • Funeral expenses
  • Car, RV or boat purchase
  • Take a vacation or pay for honeymoon

Still, the lender won’t even ask your purpose for the money. If you meet the lender’s criteria, it arrives in your bank account within 48 hours. Best of all, personal loan interest rates are far lower than credit card interest rates AND they help your credit score. The amount you qualify for depends on a number of factors.

Manage Your Personal Loan on-the-Go

Manage Your Personal Loan on-the-Go

Manage Your Personal Loan on-the-Go

A-rated First Financial knows that today’s borrowers only have time for personal business when they’re between errands, work and parenting duties. That means they get it done on the smartphone. You can stay on top of your financial fitness by accessing your loan online. First Financial’s internet-only structure puts your convenience first. Use your lender’s app to:

  • Make payments from your laptop, tablet and soon, your mobile device
  • Review statements and recent payments
  • Update your account information anytime, if you move or want to change your logins
  • Make a one-time payment, set up auto-pay or schedule future payments.

There has never been a better time for managing personal finances. As recently as 10 years ago, much information seemed walled up behind the doors of the bank. Loan and bank statements used to come monthly in the mail box.  Those days are over! Now borrowers and banking customers can watch their loan, checking and savings balances every day if they want to. They can complain and get answers on Facebook and Instagram. The power lies in the 21stcentury consumers’ hands and First Financial strives to keep it there.

Check Your Personal Loan Rates with No Credit Score Impact

You’ve probably learned by now that each new credit card, line of credit or loan involves the lender checking your credit score. The credit bureaus see these inquiries and promptly lower your credit score, often as much as 10 points per inquiry. Our personal loan source gives you the freedom of checking just the loan amount and rate you would qualify for without running a credit check. A credit inquiry occurs only if and when you decide that the rates and terms are the best for you.

First Financial Personal Loans Improve Credit Scores

Financial experts agree: a personal loan can help to improve your credit score. How?

When you consolidate high interest rate credit cards on a lower interest rate loan and pay the full amount each month reliably, the credit bureaus take notice. Your score inches up. Credit bureaus like seeing personal loans on a borrower’s credit profile because they lower your credit utilization ratio, add variety to your loan types and it indicate you’re serious about improving your credit score. Most find their credit scores rise when they consolidate debt on a personal loan.

Get more questions answered on our personal loan FAQ page.

Ready to lower your credit card payments, build that nursery or take the vacation that will reinvigorate the entire family? Get a personal loan today!

If a large, bricks-and-mortar bank has recently offered you a personal loan with a ridiculous interest rate or even turned you down due to your low or bad credit score, tell them to get with the 21st century! First Financial can help you find a loan when others say no. Designed by a team of experienced financial managers focusing on this market, this comprehensive application more accurately gauges the subtleties of a borrower’s financial history. There have been thousands of personal loans placed for people with special needs, even most students, bankruptcy-filers and low-income individuals.

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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: Main 1-800-950-0212  Fax: 1-800-215-0217

 

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