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5 Top Signs It’s Time for a Personal Loan

cash from personal loan

While the prospect of a personal loan can be intimidating, trepidation didn’t stop Donald Trump, the founders of Starbucks or flamboyant Virgin Airlines owner Richard Branson when they needed funds. A short-term loan goes a long way in providing a better quality of life and setting up a flush future.

In our blog post, “When the Personal Loan Works Better than the Credit Card,” we explain that the personal loan can:

• raise a credit score
• save a borrower half in monthly interest charges when compared to credit card rates
• help borrowers plan (because the monthly payment is fixed.)

The personal loan can actually brighten your financial picture. Considered an installment loan rather than revolving credit, when you use it to consolidate credit card debt, banks see it as your dedication to paying it off rather than defaulting or going into bankruptcy in order to escape it. Experian and TransUnion often raise your credit score within a month or so. See? The personal loan isn’t so bad!

While you will be in debt with a personal loan, the regular payments (often sent automatically from your account through bill pay), help you budget better for the month. Knowing a set amount will come out of your bank account keeps your urge to splurge under control.

Now that you know the personal loan is a common way people pay for purchases and/or emergency expenses, read the following most common scenarios where people use personal loans.

1. You are paying credit card debt at the average rate of 15% or more (23%? 29%) when you can most likely get an unsecured personal loan for 7 to 10%.
2. Collections agencies are calling you about medical bills. NerdWallet Health’s survey found that 56 million Americans have trouble paying their medical bills. More frightening, 35 million American adults get collections agencies calls for them bills and they cause 17 million Americans to receive a lower credit rating.
3. Moving expenses become overwhelming. U.S. News found the average cost of a move within a state is $1,170, and between states, $5,630. These expenses are most often necessary for family members to earn a living. When a company doesn’t foot the bill, they land on individuals. Putting these expenses on credit cards just sets you up for high interest expenses. The personal loan only calculates interest on the principal amount, not the principal plus the interest the way credit cares do.
4. Your car or computer isn’t running. Unless you live in a city like New York or San Francisco that has reliable public transportation, you’re going to need a car. Even GoCars and ZipCars prices add up, particularly if used regularly. Most important, however, a car adds to your quality of life.
5. Your home equity isn’t sufficient for critical home repair expenses. Failing to qualify for a second mortgage doesn’t mean you have to go without a working water heater, air conditioner or mold remediation. All of these things are critical for your family’s health and well-being. Home prices have remained steady for several years now and chances are your home value will go up if you stay in it long enough.

It’s in these five circumstances that most Americans seek out personal loans.

A+ Rated First Financial’s Personal Loans: Manage from Home and On-the-Go!

First Financial has the most competitive rates for high-credit-score borrowers. We even welcome those with fair, poor and bad credit because they make up 56% of the current American population. Use your laptop or tablet to make payments, review statements, and update account information. You can even check your rate without impacting your credit score!

Apply now for a personal loan with First Financial, A+ rated by the Better Business Bureau!

When Loans Do a Lot of Good

Bad Credit borrowers photo

 Tracey Espinoza remembers the day in 2013 when she had to leave the home she loved due to foreclosure. As she was packing up her bedding, she thought, “Well, at least they can’t take my pillows. At least I don’t think they can.”

Like many Americans, Tracy and her family got caught up in the aftermath of the economic downturn of 2008 to 2011. By 2012 neither her nor her husband’s salary had increased and getting another job at higher pay wasn’t panning out.

Complicating matters, they’d had two children in the previous four years, and Tracy cut back work to part-time to care for them. When Tracy could not find full time work in her field, they were unable to keep up with mortgage payments and fell into foreclosure, ruining their credit. When her husband’s 8-year-old Toyota Acura needed a new transmission, they turned to a “bad credit” credit card to pay for it. He needed to get to work reliably—without missing a day—after all.

Even now in 2020, wages have not caught up with the stock market rebound. A Wall Street Journal article quoted the senior human resources manager of Ohio’s First Solar manufacturing saying, “Wage pressure? I don’t think we’ve necessarily seen that.” After all, at their last job call, 700 people showed up for 120 positions. They had their pick.

Surmounting the “Bad Credit” Stigma
“Bad credit” loans and credit cards suffer from a somewhat undeserved reputation. Where “good credit” typically starts at the 700 score and above, “fair,” “poor” and “bad credit” make up the tiers beneath. With over 50% of Americans now in these “subprime” categories, many turn to higher rate loans to keep their computers, cars and even bodies working so they can earn a living.

man with money after his bad credit personal loan
Where “Bad Credit” Loans Do the Most Good

These three situations prompt borrowers to gather their courage and get a “bad credit” loan to keep going.

Building Credit: If you’re in the subprime credit category, most likely you’ve learned that every credit card you apply for checks or “dings” your credit record. Every “ding” drops your credit score by 10 points or more. Ironically, those with the best credit use credit cards the least. They have the most “available” credit. Of the $30,000 that their banks, mortgage holders and auto lenders feel they can afford to borrow, they may currently be using $3,000 of it. We all should be there someday! Borrowers working to build their credit rating, on the other hand, can avoid incurring a credit check and subsequent credit “ding” by getting a bad or low credit loan. Typically, the lender requires no collateral and will not contact Experian, TransUnion or EquiFax, the three largest credit reporting agencies. It simply needs bank statements, pay stubs, proof of residency and limited other documents.

Keeping Income Earning Tools Functioning: Many Americans today are abandoning corporate careers for freelance work. In fact, software giant Intuit performed a study of thousands of American workers and found an interesting draw to an independent lifestyle. Their findings prompted them to declare that by the year 2020, 40% of the American workforce will be freelance. While the freedom and the endless pajama-wearing is great, freelancers have to pay for lots of things that don’t even cross the corporate employee’s mind. These items include: computer repair, subscriptions to SaaS services, and transportation. When any one of these breaks down, the time and the repair budget fall on the freelancer. With work mounting, rectifying issues as quickly as possible becomes paramount. If clients have not paid but bills are due, freelancers and other entrepreneurs often have to resort to credit cards. The start-up business may not even have a credit line established. Therefore, they fall into the “subprime” category. Should they give up on their business? Is THAT the American Way? The most successful freelancers work back channels and creative pathways to reach their goals. Many businesses have resorted to “bad credit” loans and even credit cards to stay in business until their breakthrough.

When Fees and Penalties Are Burdensome: A 5% late payment on a $2,500 rent runs to $125 of money-for-nothing. A bad credit loan, on the other hand, comes in handy when big payments come due. When an unavoidable fee or penalty comes within just a few days of a paycheck or accounts receivable avalanche of past due payments from clients, it makes sense to pay the expense and then quickly pay off the short-term loan.

First Financial Welcomes Bad Credit Borrowers
First Financial can find the right loan instrument, even for those with poor, fair or bad credit. Because more than 50% of Americans fall into the subprime category, enterprising alternative banks (with all the security the big, bricks and mortar banks offer) deliver affordable loans. Apply for a bad credit or low credit score in minutes here. Follow us on Facebook to get smart about building your fin

Ways to Avoid Going Upside Down in an Auto Loan

Upside down car loan

“Upside down” is only fun for kids.

Adults know too well it’s all about owing more money on a large asset than it’s worth. More, they are responsible for that debt. Many homeowners were upside down in their home loans from 2008 to 2012.

Some don’t realize that a car buyer, particularly a new car buyer, can spend several months to two years upside down in their car loan. You may ask: what’s the big deal about owing more than the car’s worth if you’re going to keep the car for several years? Problems arise when the car gets stolen or crashed. More serious problems arise when buyers realize they bought too much car and can’t afford it anymore. Unexpected medical expenses, job changes, new babies and even floods and fires have a way of tightening budgets very quickly. Sell the car, and you end up paying the bank an additional $1,000 – $5,000 to fulfill loan requirements.

Car buyers who are smart with their finances take a long-term view. Just a few adjustments to the car-buying plan ensures you won’t go upside down on your car loan.

Buy Used and Make a Good Deal
It’s common knowledge that a brand new car loses 11% of its value the minute the car buyer drives it off the lot. After one year, this new car loses 20% of its value and by five years, many cars have lost half their value. These average numbers don’t reflect the wide variety of car depreciation rates. Depreciation rates are faster for unpopular cars, slow for the popular models. But who knows what will be popular in 5 years?

The bottom line is to let the original owner to pay the first few years’ depreciation costs (one of the highest costs of vehicle ownership). Buy a car that holds its value. Financial planning and organization website Bankrate.com lists the makes and models of autos that hold their value most tenaciously. For 2014, these are the Hyundai Accent, Mazda 3, Chevy Corvette, Toyota Avalon, Kia Soul and Chevy Camaro. Any of these tickle your fancy?

The other advantage of buying a used car with a low depreciation rate is that you’re less likely to have a hangover loan amount into a new loan when you buy a new car.

Put Down a 20% Down Payment
This move will take care of the annoying taxes and fees outright. Paying interest on these taxes bumps these abstract fees even higher. Since car buyers get nothing for these charges, it’s best to dismiss them ASAP. Also, putting down 20% jumps you ahead of depreciation so that you leave the lot with a vehicle worth as much as or more than your loan. Also, manufacturers’ cash-back rebates can go right to that 20% down.

Consider A Loan Term That Is No Longer Than How Long You Plan To Keep The Car.
Some people are in the habit of buying a new car every two years. Others have just as much pride driving a 20-year-old “beater.” While, typically, car loan terms extend to just 5 years, recently, six and even 10-year loans have come into the market. If it’s your nature to keep a car until it dies, a 10-year loan makes sense. If you’re family is changing either by adding or removing members (kids born; kids off to college), you may be trading up or down when those events occur.

Get the Best Interest Rate You Qualify For
Online, and other alternative banks can offer lower auto loan rates because they labor under a fraction of the marketing and operating costs that saddle the large, bricks and mortar banks. More, online banks typically don’t have shareholders demanding higher profits every year. While the difference in the loan rate may be one-half of one percent, these charges add up to thousands of dollars saved over five years.
ALWAYS Comparison Shop to Get the Lowest Price for the Model You Want
Aside from homes (and maybe shoes?), cars evoke more emotion than most other large purchases. Cars reflect our identities. They are accessories we live with from two to 20 years. If you’ve found the perfect pumpkin-spice-colored Kia Soul, rest assured there will be another one across town or in another month. Go into the car dealership with your emotions fully under control. This experience must be ruled by the mind, rather than the heart. Remembering that you’re not just saving another $2,000, but $2,000 plus six to nine percent yearly interest keeps you sober and PICKY.

First Financial Provides Auto Loans, Bad Credit, Good Credit and More!
First Financial has been in business long enough to recognize the subtleties in each borrower’s financial situation. We also know that more than 50% of Americans fall into the subprime category. Their credit ratings range from “fair” to “poor” to “bad.” Our lending partners accept auto loan applications and approve these borrowers every day. Apply for an auto loan here today! Follow us

3 Ways Online Banks Keep Cash Advances & PayDay Loans Safe & Secure

Offline banking

 We bet that, ten years ago, you had at least 3 friends who proudly refused to submit their credit card numbers to online stores like Amazon.com. YOU may have been among them!

We also bet that—today—these same people order all kinds of clothes, books and electronics online. That fact that, back then, they were too careful, too “smart,” to shop with credit online is a distant memory. They may not even admit to being so short-sighted!

These days, people willingly upload all kinds of personal information. The magic of ever-improving “encryption” and other tools enable one consumer to interact with a store on a one-to-one basis, just as if they were standing right at the Macy’s counter. These days, more and more people, too, are turning to cost-effective, convenient online banking for their financial well-being.

Online Banking for Cash Advances and PayDay Loans is Just as Secure as Offline Banking

Because some are still a bit leery of banking over the internet, we’d like to reassure you that even for cash advances and payday loans, banks utilize extensive protections to keep your banking and personal information safe. The following four measures keep critical details private.

Read these to ease your mind about the safety and security of obtaining a cash advance online through your computer or even your smart phone using a cash advance app.

  1. Encryption: turns the written information coming from you (the browser software installed on your computer) into a code that only our online banking technology can crack. The minute you sign on to our financial institution, the software on our end prompts your browser software to establish a “secure session.” Our Cash Advance App uses “banking level encryption” which just means the code is much more difficult to decipher than most. In fact, our 128-bit encryption is at the highest level of security currently allowed by U.S. law.
  2. You stay in control because you can monitor whether or not security measures are working while you’re interacting with the site. Your browser tells you information is being encrypted with either a closed padlock or a key symbol. These symbols generally appear on the bottom of your browser screen.
  3. Online banks have whole teams of internet security professionals running audits to ensure encryption is functioning every hour of the day.

When all you need is a checking account, an email address, an internet connection via smartphone or computer, why not transact your cash advances and payday loans online? Once you are approved, you can handle the details of your cash advance or payday loan from the comfort of your home or office, where you have time to think and review your financial documents if need be.  Online banking is open 24/7, too, making it convenient for you to get cash when you need it and set up the next day for success!

Personal Loans | First Financial

5 Reasons to Take a No Credit Auto Loan with First Financial

5 Reasons to Take a No Credit Auto Loan with First Financial

Applying for a Loan Approved

Did you know First Financial can offer you no credit auto loan options? Learn all about them in this detailed article.

According to reports by the Federal Reserve Bank of New York, 107 million Americans have auto loan debts. This data shows more Americans have car loans than mortgages.

Borrowers able to get auto financing at reasonable rates access larger and amounts than before. This sounds appealing to individuals with a solid credit history, but what if you are just starting off in the world of credit and have no history at all? The good news is that even with poor credit you can still get car financing by opting for a No Credit Auto Loan with First Financial.

But how can this happen? Read on to find out.

5 Reasons to Take a No Credit Auto Loan with First Financial

First, you need to understand the meaning of a No Credit Auto Loan. As the name suggests, this is a car loan extended to an individual with either no credit history, poor credit or limited history. Therefore, you can get an auto loan even without having a credit history, or with a bad credit history.

Below are the reasons why you need to take a No Credit Auto Loan with First Financial.

1. Fast Approvals on All Subprime Cases

Can you get a car loan with bad credit? This is a question asked by many people and you might be surprised to find out that of nearly 50% of American borrowers have a tarnished or limited credit history.

In other words, their credit scores lie in the subprime category, which means they have limited options for accessing loans. This category of people will find First Financial their best option since they can place their application regardless of their situation, whether its bankruptcy, poor credit, or no credit.

If you want to make a major purchase like a car or a truck and your credit history is not appealing, then this is the best website to turn to. You will be able to access the loan in the convenience of your laptop at the lowest possible rates you can ever imagine. The process is easy and confidential and you are sure to get a quick email response to update you on the progress of your application

2. Able to Manage Your Loan in the Comfort of Your Laptop

First Financial is an online lender which means it is accessible 24/7 anytime, anywhere. Some of the conveniences you are certain to enjoy:

  • Deposit payments using your laptop or handset.
  • Read your statement anytime on your devices.
  • Update your account profile which includes changing your logins for better security.
  • Compare interest rates of different dealers in the site.

First Financial believes that obtaining a No Credit Auto Loan should be hassle-free because this is a long-term financial decision you are making. You should not be under duress by auto-dealers whose main concern is the interest they get for every client they bring on board.

Working on your car loan from home will give you the freedom to check on different prices and options available so that you are sure to make an informed decision.

3. Reasonable Qualifications for Auto Financing

The requirements of getting an auto loan without credit on this website are so easy you may think it’s too good to be true. While the requirements are stringent enough to avoid liability to the borrower, they are also “loose” to ensure that most of the applicants get approved. The following are the only qualifications for auto financing:

  • Applicant should be a U.S. or Canadian resident of legal age-18 years and above.
  • Gross monthly income of $1,500 if the credit score is less than 625.
  • If the applicant has filed for chapter 7 bankruptcy, he/she should have completed the “341 Meeting of Creditors.”
  • If the applicant has filed for chapter 13 bankruptcy, he should show an “Authorization to Incur Debts” from the trustee.
  • Commitment to buy a car from their various approved car dealer partners.

Even if you have been declared bankrupt, you have a reason to smile because First Financial will sort you out. Such financial hurdles will no longer deter you from obtaining a loan for your vehicle or truck.

4. Special Package for Military Personnel

Members of the armed forces both on active duty or retired and struggling with bad credit may wonder how they may qualify for a car loan. First Financial has tailored made auto financing programs that helps them to obtain auto loans in spite of their poor credit scores.

First Financial understand the difficulties encountered by these military men and women in their effort to maintain safety and that is why they have specialized programs dedicated to them. Military auto loans are different from normal civilian loans because they are often offered on lower interest rates, require lower down payments and come with special discounts.

The rate of approval is high mainly because of the stability of their income. Military workers should not put off buying a car because of the demand of their duties but should embrace this enticing opportunity

5. Having Access to a Wide Range of Dealers

As mentioned earlier, First Financial is an online provider of bad credit car loan that partners with hundreds of authorized and licensed car dealers. This site will allow you to shop for dealers while comparing prices and interest rates.

To crown it all, you will be able to get several preapprovals using only one application. So don’t allow yourself to be limited by the car dealers or the financial institutions in your area, browse through our website for an array of choices.

Get a No Credit Auto Loan with First Financial

It may seem daunting at first but it is not impossible. A few tips will help you navigate the murky waters of credit even with no credit history to back you up.

Engaging a co-signer with an excellent credit history in your auto loan will increase your chances of approval. Also, a reasonable down payment will show the potential buyer that you are serious about buying a car despite your bad credit history and may serve to reduce the total cost of your loan. Finally, shop around to explore the options available in the market and compare various interest rates and the payment plans that suit your budget.

Remember, First Financial will offer you the best financial support irrespective of your credit history. Apply for your No Credit Auto Loan today in less than three minutes.

 

An In-Depth Guide on How to Take out a Loan for a Car

An In-Depth Guide on How to Take out a Loan for a Car

An In-Depth Guide on How to Take out a Loan for a Car

Money and business concept car

Taking out a loan can be beneficial in many ways. We share our in-depth guide on how to take out a loan for a car and the benefits it has.

Did you know that 107 million people have taken out an auto loan to help pay for their car or truck in America?

Purchasing a car can be a costly expenditure. Most people don’t have the cash on hand to pay off the debt of a car immediately, which is where auto loans and personal loans come in handy.

Discover our guide on how to take out a loan for a car and familiarize yourself with the process of buying a car.

What Are the Different Types of Loans Available?

If you have never dealt with loans and credit scores, it can be a very difficult thing to navigate and understand.

There are many different types of loans available. Some of which are great for buying a car, and some that aren’t as good for this type of purchase.

For example, the best types of loans are auto loans, bank loans for a car, or alternatively, you can use a personal loan to buy a car.

Personal loans for car purchases sometimes have costly interest rates, so some people prefer not to use personal loans when they are purchasing their car.

Research has found that car loans are typically cheaper because they are secured by an asset (i.e. the car, which the lender can repossess to cover the costs if you can’t pay your loan).

Federal Reserve found that in May 2018, a 24-month personal loan from a commercial bank had an interest rate of 10.31%, whilst a 48-month new car loan from a commercial bank had an interest rate of 5.05%.

How to Take out a Loan for a Car

Unlike buying a car outright with cash in hand, like you might have done for your very first car, taking out a loan for a car needs to be thought through.

These are the key things you need to do when you want to take out a loan for a car.

Calculate Your Budget

The very first thing you need to do when you want to take out a loan for buying a car is to work out your budget. Calculate how much you can comfortably pay off each month.

According to the Federal Reserve Bank of New York, a record of 7 million Americans are at least three months behind on their car loan payments. It is critical that you work out how much money you have coming in each month, and how much you can pay off.

The best way to work out what you will actually be paying for your car is by calculating how much you will be paying each month and for how many months. This calculation needs to include interest rates, too.

Check Your Credit Score

Whether you want a personal loan for a car or an auto loan for a car, you need to check your credit score and history.

Poor credit history might mean that you pay higher interest rates than if you have a good credit history. If this is the case, you might want to hold off getting a loan and focus on improving your credit score.

If you have a good credit score, you might be able to negotiate a better deal with your loan lender.

Find out how you can secure an auto loan without having previous credit experience or a credit score.

Research Your Options

Once you have an idea of how much you have to spend and what your credit score is, you can research your options. There are a number of loan lenders available, however, not all of them will be right for you.

You can get car loans from banks or credit unions, dealerships, or online lenders. Compare the different types of deals and payment plans each of them offer and work out which one is best for you.

Car loans typically come with 3-, 4-, 5-, or 6-year terms. The longer the payment plan, the more interest you’ll end up paying, so make sure you work out which plan is the most cost effective for you.

Get Pre-Approved for a Loan

Once the lender has given you a quote for the loan, you will be pre-approved, which doesn’t mean that it’s guaranteed. Once you have been pre-approved, you the lender will then check your credit.

Once you are pre-approved for a loan, the lender will give you a letter that you can take when you go car shopping. This letter can help you see if you can get a better deal from the car dealership.

Even though you have been pre-approved, it doesn’t mean that you need to sign up for the loan. It is still your choice whether you pursue this loan or you can choose another one.

You also can adjust the terms of your loan, for example, if you find a cheaper car and don’t need an as bigger loan, you can apply for a smaller loan instead.

Find Your Car

The final step is the most enjoyable one. Once you know how much you can afford each month, and you know what kind of loans you can get, you can go car shopping.

Make sure you do your research and find a car that is the right price and has the right features that you need.

Car Loans

Applying for a car loan doesn’t have to be complicated or confusing. Just follow our guide on how to take out a loan for a car and you’ll soon be driving away with a new vehicle.

Apply for one of our auto loans now and see how we can help you.

Alternatively, if you need help with your loan process, get in touch with our team and discuss your loan requirements.

5 Great Reasons for a Personal Loan

5 Great Reasons for a Personal Loan

Whether faced with an emergency or you need to borrow, discover the benefits of a credit product that suits your needs and great reasons for a personal loan.

5 Great Reasons for a Personal Loan

We live in one of the strongest economies in the world. Yet, despite that strength, wages haven’t kept up and about 40% of Americans struggle to make ends meet.

Fortunately, there are financial tools that people can use to help them meet their monthly obligations or dig out of debt. Personal loans have easily passed credit cards as a preferred form of debt.

What are 5 outstanding reasons to take out a personal loan?

Keep reading to find out.

Why Are Personal Loans Popular?

Personal loans have moved past credit cards to become the fastest growing type of debt. To understand why let’s look at what personal loans are.

Personal loans are loans that you can take out for any reason. When you take out an auto loan or a home loan, it’s for those specific purposes. You borrow a certain amount of money at an interest rate determined by your lender and you make monthly installment payments for the term of the loan.

The terms of the loan can be anywhere from 6-60 months, depending on the amount you borrow. The great thing about personal loans is that they are available to people with good credit and bad credit.

Personal loans offer a lot more flexibility and stability than other forms of debt because you can take them out for a number of reasons, and you know what the monthly payments will be every month.

5 Reasons for a Personal Loan

Would you like to improve your financial situation? In that case, a personal loan may be a smart move for you. Let’s look at some of the more common reasons for a personal loan.

1. Consolidate Credit Card Debt

The most common reason why so many people turn to personal loans is to consolidate credit card debt. The average person has about three credit cards, which means three separate debt payments.

Depending on your interest rate, you can be paying much more in interest over the long haul than what you actually paid for.

What a personal loan can do for you is you can pay off those credit cards completely and just have one monthly payment. The monthly payment is likely to be lower than what you’re paying out every month.

The interest rate is likely to be lower than credit card debt, too. That means that you’re saving on your monthly payments and paying less in interest.

2. Start a New Venture

Starting a new business is an exciting opportunity that does require some start-up capital. Most small businesses cost between $3,000 and $5,000 to start up.

That doesn’t seem like a lot, but when you are in debt or you are having trouble making ends meet, a personal loan can be a lifeline.

You can avoid the trouble of having to present a formal business plan when trying to get a business loan by getting a personal loan.

A personal loan won’t have the same strict requirements as a business loan, and you have the flexibility to invest the borrowed money as you see fit.

3. Add Value to Your Home

One of the reasons why people take out personal loans is because they want to take on a major home renovation project. A remodel could cost anywhere from $18,000 to $36,000 depending on the size and scope of the project.

Not many people have that kind of cash lying around, so they’ll turn to personal loans to finance the project.

It’s a smart move because these projects can add a lot of value to the home, which will increase the sale price. You’ll often see people renovate when they’re getting ready to sell, knowing that they’re going to see a return on those funds.

4. Cover Unexpected Expenses

Car repairs, a medical emergency, home repairs, pet emergencies can all take a bite out of your finances. If you’re having a hard time making ends meet as it is, how will you be able to come up with the funds to these possibilities?

That’s where a personal loan can help you. One of the reasons why people turn to personal loans for emergency expenses is because they will be able to pay it back in monthly installments.

5. Build Up Credit Score

Your credit score determines so much in life. Your ability to get a home, an apartment, a job, or any other forms of credit all hinge on those three numbers that make up your credit score.

Do you have to start building up a credit history or rebuild your credit?

Taking out a small personal loan will help you do that. With a small personal loan that’s paid back on time and in full, you’re showing creditors that you’re responsible with debt.

That will also help you increase your credit score.

Ready to Get a Personal Loan?

There are many reasons for a personal loan. When you do take out a personal loan, you want to make sure that you can either save money or make money.

Starting a business, consolidate debt, or start a home project that will pay off down the road are great reasons for a personal loan. The great thing about a personal loan is that you can take them out for any reason, even finance a vacation or a wedding.

Would you like to find out more about getting a personal loan for your financial situation? Find out more about First Financial’s personal loan programs here.

How to Keep Cash Advance Costs Low

Because cash advance interest rates can start accruing on the first day, the borrower’s best strategy is paying the amount off as soon as possible. If that means two days, at least this loan is behind you. Thank it for:

  • Allowing you to pay other bills on time with no penalties.
  • Preventing any late payment notices from going to the credit bureaus Experian, TransUnion or Equifax.
  • Helping you get your car or computer fixed so you can keep earning money.
  • Your freedom to jump on a cash-only purchase you’re competing for.

Pay off the online cash advance fast by linking it with the checking account where your paycheck gets deposited. That way, the minute that paycheck goes in, the cash advance gets paid off. If you use your checking account as the hinge between your income and your loan, highest interest payments come out first. Borrowers can thank the CARD act of 2009 for that backup.

The second way to save on cash advance costs is to borrow as little as absolutely possible. With interest accruing daily, the smaller the amount, the less the interest.

Finally, if you don’t pay the cash advance off within days, you must pay it off on the date you initially agreed to. Rolling over a cash advance sets you up for additional fees on top of the interest rate you get charged daily. The worst situation to get into is if you’re only paying off the cash advance’s interest month after month. Have more questions? Get answers to the most common on our cash advance FAQ page.

Think you can manage a cash advance responsibly? Apply today!  

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How to Pay Off your Cash Advance with a Crafty E-commerce Side-Hustle

hands knitting
Craft your way to paying off bills and cash advances.

 

Did you think those oven mitts and coffee cozies were just heart-felt gifts for family? Think again! By selling your crafts online, you can get ahead financially and even pay down credit cards or a cash advance due soon.

Yes, 55% of all retail shopping happens on Amazon, but that’s the place people get products from the brands they’re always familiar with. Generic, dull products! Big brand electronics, books, tin foil, toilet cleaner. Nothing made with love and unique vision.  

As Amazon.com, Walmart.com and others continue to take over the retail space for generic products, American consumers are craving handmade, unique items for themselves and for gifts. Even better, several online platforms offer websites (LINK to other post) where crafty types can put up their own stores (beyond selling on Etsy.) These platforms have made selling online simple, even fun.

You may be even more encouraged by knowing the biggest issue ecommerce entrepreneurs face: uncertainty about what products to sell. As a craft artisan, you HAVE the rare skills to create the products  that will appeal to shoppers.

Here, we’ve listed 20 low-cost, do-it-yourself crafts that you can shape with your own color, texture and creative skills. None takes advanced skills, but they do take originality, which if you’re reading this post, you most likely have in spades.

Bath Bombs

In today’s go-go culture, who doesn’t need a bathbomb pampering. You might be surprised to learn that the ingredients of bathbombs are just: baking soda, epsom salts, food coloring, citric acid, and a bath bomb mold (~ $5).  Ambitious crafters can also add products like dissolving glitter and essential oils. These inexpensive ingredients amount to about $2 to $3 per bomb. Sell them for $5 each and you have a 100% mark-up. More, unlike crocheted or knitted items, bathbombs can be made quickly and in bulk. There are countless websites describing exactly how to make bathbombs, but more, how to make money making them.

Candles

While candles are everywhere, no one turns them down as a gift. And unique, quality candles can provide months of pleasure for the gift recipient. Crafters who make candles for birthdays, anniversaries and even unusual holidays like Opposite Day know their customers need them all year.

They key is to diverge from the low quality candles one finds in the large retail stores. With high mark-ups, these generic candles burn rapidly, often with little to no scent. Quality candles, often fashioned with essential oils, fill a room with rich ambiance and fragrance.

Getting started requires a website (and/or Farmer’s Market tables), raw materials costing under $200 and your hard work. People have made livings from creating candles infused with the spent grain from local craft breweries, excess grapes from wineries and more. Often, candle crafters can sell their company-inspired candles right to the company. Now that’s smart entrepreneurship.

Pet Toys

You thought the kids were bad? Pets go through toys fast, both by getting bored with them and destroying them at a high rate. Each year in the United States, pet owners spend $60 billion on their pets. If you can convince a dog or cat owner that your product will make their beloved happy, you should go online with it. After all, impulse buys made on emotions tend to have higher profits.

Adding an extra twist to your pet toy can push your sales even further. For instance, using eco-friendly materials can lower a shopper’s resistance, as can stating that a percentage of your profits goes to animal charities. You can create toys just for large dogs, senior dogs or puppies going through teething. Consider, too, creating toys from materials that come to you at the lowest cost. Get them online, promote them on social channels and you have a new income stream!

Handmade Soap

The power man-made chemicals unleashed astounded us . . . until we realized the damage their overuse could cause. Consumers are attracted not only to organic food, but organic cleaning compounds as well. These include mixtures made of vinegar, baking soda and other common household item. Handmade soaps have the added benefit of being less expensive and potentially plastic-free.  

With the amazing varieties of scents and dyes available, it’s easy to develop products for specific markets. In the United States, one woman makes a living using the spent grain from breweries to make soaps the brewery then brands and sells as keepsakes. Hostesses, parents and friends feel spoiled when they get to use lovely soaps that smell far better than grocery store brands.

Printed Throw Pillows

You may have gotten a deal on that new couch, but putting coordinating pillows on it will cost you another $200. If you have a sewing machine and an eye for distinctive fabrics and trims, maybe your future is in pillows.

American’s spend $62.5 billion each year in home decor. Keep up with decor  styles and colors through the design magazines to get an edge on the slower-moving corporate brands. For 2019, people are talking about bright “jewel tones” which really means just bold primary colors. Grays are out (finally!). Take photos of your creations, don’t be afraid to mix stripes with polka dots. Eclectic is in! (as long as the colors coordinate). Fabric stores constantly have sales. If you go shopping knowing with an idea of what you’re looking for, you can get your raw materials at low prices.

Resin Jewelry

With a special plastic called resin, hardener, dyes, glitter, photos and whatever you can think of, you can create beautiful pieces to sell online. Don’t forget the silicon or metal molds of course. Make a quick photo keepsake by pouring clear resin into a mold and then covering it with a carefully trimmed, small photo. Cover the photo with a sealant (like ModgePodge) and then let your masterpiece rest for 24 hours. Once it dries, pop it out of the mold and your photo sits behind a glass-like substance. Some artists like to layer in different pieces like beads, natural objects before putting a final backing on the piece. They even finish it with a layer of glitter.  Once the piece is finished, you can adorn it with wooden elements, silver or gold wire as well.

Keychains

The keychain never goes out of style. Today, keychains come in the forms like initials, animals and scenes from tourist attractions. All of these shapes indicate the user’s identity. People can’t resist items that reflect their egos. If you can shape leather, canvas, plastic, or cloth into pieces that reflect interests and habits, you have a winner. Sell to both men and women, keeping your market large. Bonus: keychains’ small size ensure your materials go a long way.

 

Ceramics

Don’t you just get fascinated by people shaping clay on a wheel with muddy hands? A pinch here and a squeeze there reshapes the piece entirely. Ceramics amy seem challenging but you can start with a simple bowl. If this tactile hobby feels irresistible, you could be on your way to a whole new side-hustle.  Adding acrylic paint, glitter, and even nail polish can further hone your brand.

Whichever of these craft avenues you choose, rest assured you can find a market for your work. Reaching your market is easier than ever with an online store and social advertising. Don’t let money worries overtake you. Use your spare time to create something beautiful and profit from it!

 

Pay Off a Cash Advance with a Seasonal Job

nylon display in retail store

You can do anything for a few weeks, right? You might even have fun selling in a fast-paced department store. You’ll certainly get some deals. And if the extra income helps you pay off your cash advance, all the better! More, paying your cash advance off early saves significant money. Keep all the income from your paycheck and use only your side-hustle money to pay off your cash advance.

This year, the National Retail Federation estimates that their retail clients will hire nearly 700,000 seasonal or temporary workers. You can get work anywhere, including “big box” stores, local dollar shops, department stores and warehouses. You may even get a gig singing holiday wishes!

Perks of Seasonal Jobs

Seasonal retail jobs can offer some surprising benefits. Temporary employees can get the same protections and benefits as part-time or full-time workers; the U.S. Department of Labor mandates it. This includes being paid overtime and receiving at least the state’s minimum wage.

Seasonal work can also be more stable than it first appears. Your first job sets you up to come back for that same job the next year. You may even get an offer to stay on permanently, even if it’s just a one-day or two-evening per week shift. Extra money, particularly early in your career, sets you up to meet long-term financial goals.

Holiday seasonal work is not just about cash however. Retail workers typically get 20% to 30% discounts on store items they couldn’t afford otherwise. In some cases, a retail store will pay to fly you to their location and put you up in a hotel. It is a zero-employment economy after all. Stores are getting desperate for workers who will push their merchandise during the busiest time of the year. The National Retail Federation tells us that retailers make between 25% and 30% of their annual revenues just during November and December. If they’re pushed to their labor limits, they will bend over backwards to get your behind a cash register.

Working seasonal jobs can also be a way to “try out” different brands and locations to explore what you want. Applicants without experience have a much better chance of getting a job during the holiday rush than other times of the year. Build your resume while exploring your work options.

Seasonal Job Limitations

While the opportunity for extra cash and exploration seem irresistible, these benefits may not cut it for some. Keep in mind that you may be working while friends and relatives are getting together to celebrate. You will miss out. Consider whether you will be willing to work on Christmas Eve, Hanukkah, or other holidays. Also, saying you can’t make a certain shift isn’t going to impress a boss desperate to fill shifts.

Working during cold and flu season may be a risk as well. If you are sick, you don’t get paid time off or sick days. You just miss out on that day’s pay. Finally, health insurance or retirement plans may be limited.

Those currently getting unemployment benefits may have them suspended or limited if they take on seasonal work. Check with your state’s labor expert to get reliable answers.

Non-Holiday Seasonal Jobs

Those who find themselves thriving in the seasonal workforce can extend their adventures. In January and early February, temporary work forces are looking for people to staff super-bowl and Daytona 500 related events. By March, they need Easter bunnies to keeps squirmy kids engaged in high-end restaurants at Easter brunch. In the summer, it’s not hard to find a tour guide job in most major cities. By Halloween, why not put on the face paint and stalk haunted house visitors, moaning with arms stiff in front of you? It could be the role you were made for!

How to Find Your Pick of Seasonal Jobs

Today, the first place we all go for good information is the internet. Those exploring to discover their options can start broad by first going to:

  • Monster and Indeed which list thousands of seasonal jobs. Search in your area to limit results.
  • com: founder Bill Berg started this site after finding his dream job in Yellowstone National Park. Search admin, educational, jobs with fish, ranch jobs or even jobs specifically for teenagers.
  • com brands itself as a “working-travel” website. Search summer jobs, ski jobs, gap year jobs, childcare, hospitality and sports, water and outdoor positions.

Already have a dream retailer in mind? When you see how many workers your favorites need during holiday 2018, your confidence will soar. We’ve linked each retailer with its job listings here:

Amazon Seasonal Jobs –  adding 100,000, all starting at a rate of $15 per hour.

Kohl’s Seasonal Jobs – adding 90,000 in 1,100 stores, distribution and fulfillment centers.

Target Seasonal Jobs – adding 120,000, all of whom will receive 10% discounts and opportunities to earn extra pay on Thanksgiving and Christmas days.

UPS Seasonal Jobs –  adding 100,000 full- and part-time seasonal workers from November through January 2019. 35% of company’s seasonal workers get permanent jobs after the holidays.

Macy’s Seasonal Jobs – adding 80,000 seasonal workers. Employees also typically get 20% off on top of sales and discounts.

FedEx Seasonal Jobs – Adding 55,000.

J.C. Penney – adding 39,000.

woman working in retail

BBB A+ Rated Cash Advances for Everybody!

Emergency cash needs befall nearly every American. First Financial provides the quick cash advance and payday loan offers so that you can:

  • Avoid bounced checks and credit dings
  • Keep cars, computers and other work-related equipment running that keeps your income consistent.
  • Avoid late fees.
  • Avoid pawning the meaningful family jewelry and heirlooms that pawn shops pay cents on the dollar for.

First Financial is America’s leading source of short-term cash advance – payday loan offers for everyone, even those with low and bad credit scores. We put you first by letting you arrange the cash transfer from home through easy online transfers. Once you’ve completed the process by filling out the final page of the form, your cash is deposited in your bank by the next business day. Apply for a convenient cash advance today!

3 Common Situations When a Cash Advance is a Good Idea

 

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woman with money problems

When an unanticipated expense hits, financial institutions exist to make sure that families limit their losses. Cash advance and payday loans, which are short term, unsecured (no car or home collateral needed) and fast, keep people solvent until unsettling times pass.

Unexpected financial glitches happen to all of us. Stress and shame send some into freeze mode, but denial only causes late fees and creditor phone calls to mount. The cash advance option or easier cash advance app makes sense in several situations.

  1. You’re trying to avoid a credit check that impacts your credit score. When bills are due but funds are insufficient, some turn to the new credit card offers that come in the mail regularly. If you’re working to build your credit, however, you know that every credit inquiry lowers your score. A cash advance or payday loan doesn’t require a credit check. The requirements do include:
    • proof of employment
    • employment income of $800 per month
    • U.S. Citizenship
    • proof of a checking account
    • a short telephone call

This is gathered in a short, online application you can easily fill out on your phone anywhere. Once the lender gets that information, it’s typically a matter of hours before you’re approved. The lender knows you’re probably in a dicey situation and works hard to provide an answer as soon as possible.

2.     Late payment penalties are more than the cost of the payday loan.  If your mortgage is $2,000 and you have a 5% late payment penalty, you’ll be out $100 if you don’t pay the loan on time. Many fees for non-payment are higher than the charges that come with a payday loan or cash advance.

3.     The loan is required for you to earn an income.  A broken down car or crucial computer malfunction can interrupt your earning hours dramatically. To keep income steady, getting both into working order is crucial. The payday loan or cash advance helps get you back to work fast.

Payday Loan Cash Advance Information

While home and car loans are amortized over years, typically the cash advance loan is repaid within a month, when a consumer’s next paycheck is deposited.   After you fill out the application and sign forms, the money arrives in your checking account within one to two days. Similarly, the money plus the loan fees are then withdrawn at the end of the month when you are paid. It is also possible to extend the loan for another month if you need to. It’s smart, however, to have a plan to pay off the loan when it is due.

First Financial: Your Source for Fast, Trustworthy Emergency Credit

First Financial is a nationwide retailer of financial services. We provide home, auto and personal loans to applicants from every state. With an A+ rating from the Better Business Bureau, you can be confident that your transactions are safe every step of the way. Our system relies on trusted names like Verisign and Norton to get you money quickly with no glitches. Interested in checking us out for a while? Feel free to follow our Facebook page where we relate daily modern money tips.

 

5 Best Budgeting Apps for People Living Paycheck to Paycheck

Man walking using a budgeting app

These apps take a little set-up, but after that, enjoy taking the brainwork out of every spending decision. Whether you’re just trying to cut down on needless spending or saving up for a big purchase, these apps help you reach your goal quicker.

Every Dollar

Available on Android, iOS and on desktop, Every Dollar has a very simple user interface that makes budgeting simple. User can expect to take less than ten minutes setting their first budget. The service ditches spreadsheets and offers many helpful visuals so you can see where your money is going. Tracking your spending and managing your money is super convenient with the app, and it syncs across devices so whenever you open it, you’re looking at the most up to date information. Every Dollar lets you budget confidently – the app is based on a proven plan that has helped millions of people get out of debt.

Mint

Available on both iOS and Android, Mint is one of the most popular money managing apps. Users can easily view all of their bank accounts in the app and categorize all of their expenses by category, such as utilities or food. Unique to Mint is that it lets you set spending limits for each category, and will send you an alert when you are approaching the limit. Users can also get a free credit score within the app. Lastly, users should feel safe using Mint, as it was developed by Intuit and backed by their security system.

Digit

Digit it perhaps the most unique app on this list. It does the basics like connecting to your bank account and view your transaction history just like the others. What sets it apart is that it analyzes your income and spending habits over time, and by using a unique algorithm it sets aside small amounts of money into a separate “Digit savings” account that it thinks you would have spent wastefully. Many users claim it has helped them save a lot of money, but if you don’t like it you can easily transfer the money back to your checking account for no fee. Lastly, the service has a “no overdraft guarantee” and promises to not take more money than you can afford out of your account.

Level Money

Level money is a great app for people who know the importance of saving and want to do it, while also spending their hard money however they choose. Level money lets you set a savings goal for a time period and helps you plan for future expenses, like bills. The app then informs you of any money you have left over – called spendable money – and illustrates this nicely with a helpful graph. The app also has a daily spending guide to help you stay focused on your financial goals, and will alert you if you’re spending more than usual.

Spendbook

This one is only for iOS users, and will cost $1.99. Spendbook has built in expense tracking and lets you set budgets. The app is very user friendly, adding a new income stream or expense transaction can be done with just a swipe down. The app lets you take photos of receipts and items you have purchased and then categorize them. Lastly, the app gives users a daily and monthly summary of their expenses, as well as charts and infographics to help users spot trends in their spending habits and look for ways to improve.

 

7 Tough Financial Situations a Small Personal Loan Can Solve

woman sad at need for personal loan

The small personal loan has gotten many out of difficult situations.

Did you know the personal loan has interest rates 5 to 10 points lower than a credit card? Read these situations where a small personal loan makes more sense than additional credit card debt.

Finance a Funeral with a Small Personal Loan

 Unfortunately, death is a fact of life and often strikes at the most unexpected times. Not only is it hard to go through the emotional trauma of losing someone close to you, but making the funeral arrangements in just a few short days, while also figuring out how you’re going to pay for them is extremely rough. Funerals aren’t cheap, even with relatively affordable caskets the cost can still easily run up to the thousands. If the deceased person’s assets cannot cover the expense of the funeral service, taking out a small loan with a low interest rate is one of the best routes you can take to cover the cost and work your way towards paying it off. 

A Small Personal Loan Consolidates your Debt

Most people who receive a small personal loan get one to consolidate their debt. Consolidating your debt allows you to combine multiple types of debt, such as car loans or debt accumulated from credit cards, into one total loan with a fixed interest rate, consistent monthly payment, and a closed-end term. Doing this can have multiple advantages. It can lower the interest rate on the debt, and you may also qualify to have a lower monthly payment that is paid off over a longer period. Either way, consumers with multiple outstanding debts should definitely explore consolidation.

hand of man calculating costs of small personal loan

Escape Credit Card Debt

Another effective use of a small personal loan is to use it to pay off credit card debt. Of course, this may sound counterproductive, taking out a loan and possibly going into debt again just to pay off existing debt. However, many loans are available at a low rate, which limits the amount of interest you will have to pay, along with along with an end date to help you plan out your financial future. According to Ryan Bailey, who is in charge of consumer deposits, payments, and non-real estate lending at a TD Bank branch, who says that “With an unsecured loan, you pay it off in 5 years, generally at a much lower interest rate, so it saves payment, and you actually get it paid off.”

Paying off HealthCare Bills

 Life is unpredictable and sometimes you or a loved one may end up in the Hospital. Even with health insurance, costs can often be extremely high, especially for long stays. That is why so many people take out personal loans to cover unexpected health care costs. Don’t wait to do this – credit reporting agencies may be notified of missed payments and this will damage your credit score. A personal loan can allow you to pay off your medical expenses while keeping your credit score intact.

 Make a Big, Critical Purchase

Did your old car suddenly break down and you need to buy a new one but don’t have enough money saved? Or can you afford one, but don’t qualify for a secured loan because of your credit history? A personal loan could very well be the answer. People who qualify for personal loans are more than free to put them towards a big purchase, such as buying a car, motorcycle, a small house or a boat.

Pay for a Wedding with a Small Personal Loan

Your wedding day will be one of the most unforgettable moments of your life, and it is totally reasonable that you may want to spare no expense. You already know the cost is going to add up quickly. Between the reception, the dress and tuxedo, to hosting possibly over a hundred guests, weddings are very expensive. This does not even include the cost of the rings as well as a possible honeymoon afterwards. Many couples look to personal loans to help them finance their big day. They can be used towards the expenses previously mentioned, and can ensure your wedding day will be one of the highlights of your life.

Finance Unplanned Expenses with a First Financial Personal Loan

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As you’ve gathered from reading this article, personal loans have many practical uses and cover a wide variety of expenses. First Financial knows how unpredictable life can be and how hard it is to keep a large sum of money sitting idle just waiting for something to happen. That’s why our loans cover more than just mentioned above. A small personal loan can also help you finance veterinary care for your pet. Or say a loved one in a different country has suddenly fallen very ill and you have to find a way to be there with them. Whatever it is, rest assured that our loans are consumer friendly with low interest rates and set end dates. In a perfect world, money shouldn’t decide if your pet can get a surgery to extend its life or if you can visit a sick relative, and with a loan from First Financial, it doesn’t have to.

Is Now the Right Time for a Personal Loan?

Making a decision about the economy

Is your job stable enough to justify a personal loan? 

Until 2012, many viewed having a personal loan as risky. Having to pay for money you didn’t have would drive a consumer further into debt, jeopardizing their financial situation.

Today, the economic outlook has changed. Economists predict that 2017 will see a slight rebound.

First: wages are actually growing. According to the Atlanta Federal REserve Board, wages have enjoyed their fastest in crease in the past year. With unemployment at a low 4.6% today, most economists explain that the U.S. is at “full employment.” As workers get harder to come by, wages will rise.

The rise in consumer spending of 3.8% in just the last six months, too, boosts the U.S. Gross Domestic Product which helps the overall economy. This may have been a result of the rise of the employee’s wages over this time also. This is highly comparative to the 3.6 percent of gain for the take-home pay, thus a noticeable drop in the savings rate. The perceptions of the individual also about sending is better than the average and this has come to be stable for the previous months of observation. It is highly likely that they would have their expenditures increasing as directly proportional to the wages that they get to receive in their respective jobs.

Another factor that can be viewed as an advantage is the construction of more houses. The more of them that are built, the lower the prices could go. Houses with lower prices than the usual average price can be a driving force for the individuals to avail, thus setting the economy to be rocketing. The apartments have the most gain for this, though. This is because multifamily starts have an increase of 14 percent over the previous year while the single family has an increase of a mere 1.3 percent.

However, if you do not feel that there is an increase in your wage over the previous months, then you should ask for a raise. The U.S. Census Bureau has already increased the median incomes during the previous year after it has its years of falling or just being stagnant. You can just as your employer to give you a raise. If not, then it are better for you to look for another company that could serve you well as you have served them.

What could this say about the economy of the country? It can be that the business all over the place is booming in such a way that it creates a great many opportunities for the employees to get their own savings and even encourage personal loans.

Unlike a housing loan or a car loan for that matter, a personal loan can be used for the tuition fees of your children, or for the expenses of your travels when you feel like paying another place a visit just for mere relaxation, or anything else that you may want in your life. Further, if you want your personal loan to be secured as you should, you will be required to have a collateral such that it could back your personal loan. Some common cases for this are having a house or a car to comply the said requirement. You can also have your personal loan unsecured, and in this case, you would not need a collateral for your loan.

week1_monday

Does a Better Economy Translate into Favorable Personal Loan Rates?

We certainly think so!

As economic conditions continue to improve, Janet Yellen at the Federal Reserve Bank will increase interest rates. That means rates on all loans will increase, although not too fast and not by too much.

Those considering a personal loan should do it right now while it is still early. Most Americans have been putting off home improvements and car upgrades because of concern over the economy. The above information should give you the confidence that we are in a stable period.

 

 

Trust A+ Rated First Financial to Get You a Personal Loan Fast and at the Best Rates!

When considering personal loans, don’t forget that online lenders have the automation and reduced overhead to offer the best loans and terms. First Financial is the national leader in providing personal loans for borrowers of all types, even bad credit borrowers. Just fill out some forms, upload documents and get the money in your account in a matter of days. The Better Business Bureau rate First Financial A+ because we make customer service our highest priority.

 

 

 

A Personal Loan Keeps You on Your Path

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