First Financial

Overview

Auto Loans: 93% of all applicants approved! And this includes the fair, poor and bad credit applicants that make up 56% of all American borrowers. Since 1996, we have processed over 1,000,000 bad credit auto loans, some with approved amounts of up to $45,000. Now, years away from the Great Recession, we know lots of bankruptcies are about to fall from borrowers’ credit reports. We strive to provide car loans to this hard-working population before traditional banks realize what they’re missing! More, by providing all the security a traditional, bricks-and-mortar bank can offer, we keep customers’ money secure 24/7.

Personal Loans: 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 cash is usually deposited in your bank account the next business day. Stay on top of your finances conveniently when you work with BBB A+ rated First Financial!

Business Loans: Did you catch it when, in 1994, Bill Gates proclaimed, “retail banks are dinosaurs.” Soon after, Harvard Business School proclaimed internet banks, “lending disrupters” and praised us for making loans easier, more affordable and accessible. We’ve implemented the automated systems that result in lower rates and more convenience to the business borrower. Our reduced marketing and processing costs enable us to have higher approval rates as well! Harvard also found that online lenders approve applicants 60% of the time and traditional banks approved just 21% of applicants. Why not click to see what your loan limits and rates would be? After all, your business credit will not be impacted until you decide to accept our offer.

Mortgage Loans: First Financial brings the lender’s office to you, ready to make the best deal to win your business. Operating now since 1996, our banking security is the strongest available in the United States! Our customer-centric approach lets you check your rates and limits from the comfort of your living room with no impact to your credit score. In the Internet Era, the most sophisticated borrowers know they have the power when they make lenders work for their business.

Merchant Services: With consumers handing over plastic in 66% of all purchases now, it’s critical all businesses accept credit, debit and gift cards. A leading provider of quality, secure merchant services to those in high-risk industries, First Financial welcomes applicants turned down by more traditional banks. We know that businesses like tech support, e-cigarettes and web development need only pass the test of time before all banks will vie to lend to them. For now, First Financial works hard to earn high-risk business because our research has shown these innovative fields have incredible futures ahead!

Cash Advance: First Financial is the nation’s leading source for cash advance, 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 cash is usually deposited in your bank account the next business day. Stay on top of your finances conveniently when you work with BBB A+ rated First Financial!

Credit Cards: Online alternative service First Financial offers big bank security AND a variety of card options to help you maximize your cash flow. Traditional banks send the same offer to thousands without considering individual financial limitations and goals. The credit card you choose depends on whether you need to lower monthly bills, accumulate vacation awards, build a credit score or achieve any number of financial objectives. Avoid credit checks that lower your score when you apply for the right card the first time! First Financial specializes in helping those with fair, poor and even bad credit strengthen their credit score with the most appropriate, low-cost cards.

Low Credit Score Loan: First Financial is the nation’s leading source for low credit score 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 cash is usually deposited in your bank account the next business day. Stay on top of your finances conveniently when you work with BBB A+ rated First Financial!

Bad Credit Score Loan: First Financial is the nation’s leading source for bad credit score 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 cash is usually deposited in your bank account the next business day. Stay on top of your finances conveniently when you work with BBB A+ rated First Financial!

Loan Features

Auto Loans
Finance Your Dream Car, No Matter Your Credit Score! First Financial welcomes applications from those with low credit scores, bad credit, poor credit, no credit or bankruptcy. A key industry report found that 56% of Americans exist in these “subprime” categories.[i] We’re thrilled to serve such a large market! When it comes to purchasing a pre-owned car or truck with a problematic credit history, you simply can’t find a more convenient website that offers vehicle loans online nationwide at the lowest possible auto loan rates. We approve 93% of all applicants through our easy, confidential application and quick email response.

Personal Loans
Get The Cash You Need Fast! 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 cash is usually deposited in your bank account the next business day.

Credit Cards
Don’t let your financial future depend on the random credit card invitations you get in the mail. Take control by choosing the best credit cards tailored specifically to your financial goals and life situation. Unlike the big banks that send just one type of card, A+ rated First Financial helps you define and prioritize whether you want to maximize rewards, re-build credit or minimize credit fees.

Right now, is it most important that you:

Consolidate debt for lower monthly expenses?
Begin to build credit after a bankruptcy or if you’re a student?
Accumulate the rewards for that vacation the family deserves?
Pay low or NO interest right now?
Start with a steady rate and depend on that same expense monthly?
Different cards stretch your dollars further depending on exactly what you want to achieve.

Mortgage Loans
At the cutting edge of mortgage industry automation, A-rated online service First Financial ensures home borrowers find their loan with the optimum of convenience and savings. Thanks to the Internet and the constant advance of technology, we attain both goals year after year. You won’t find a lender with more or better rates and options or clearer answers. The mobile accessibility we provide brings the lender’s office right into your living room or car or work place, 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!

Cash Advance
Emergency cash needs befall nearly everyone at one time or another. First Financial provides the quick cash advance – payday loan offers that make sure you:

Avoid bounced checks or credit impacts due to non-payment.
Keep cars, computers and other work-related equipment running so you can keep earning!
Avoid expensive late fees.
Keep from pawning the meaningful family jewelry or other priceless items that you’ll only get cents on the dollar for!
First Financial is America’s leading source of short-term cash advance – payday loan offers for people with low or bad credit scores. We put the customer first by enabling him or her to arrange the cash transfer from the comfort of home through easy online transfers. Once you’ve completed the process by filling out the final page of the form, your cash can be deposited in your bank by the next business day.

Business Loan
When you need money to keep your business competitive, trust A+ Rated First Financial to bring you the lowest rates, most convenience and highest levels of security.

It all starts with your information request. Since every situation is unique, we make sure to directly focus on and understand our customer’s individual needs. After submitting your request, within 24 hours we will reach out to you to discuss your business loan options. Since 1996, our loans have helped more than 50,000 businesses stay current with what they want from a business lender.

Lower interest rates – our automated systems and lower marketing costs translate into lower rates and fees to the business borrower.
Far higher loan approval rates – the study above found that online lenders approve applicants 60% of the time. Large banks approved just 21% of applicants in the first quarter of 2015.

All the safety and security bricks and mortar banks offer. It’s required by law! We have the same 128-bit encryption, banking level security as every lender in the United States. Convenience of online applications, approval notices, documentation uploads and more. Avoid intense, one-on-one interviews and get your business financed from the comfort of your home.

Merchant Cash Advance
Fast Cash to Lock in Long-term Business Success! Temporary cash shortfalls happen to all kinds of businesses through no fault of their own. Smart solutions like merchant cash advances developed to support the health and longevity of U.S. businesses. If we are not able to approve you instantly you will be presented with an offer from one of our participating lenders. Just complete the process with them. It’s that easy…

Without the merchant cash advance, thousands of businesses across the United States would have gone bankrupt, taking their jobs, their brand and their unique contributions to the economy and American families with them. When years of work and money put into a business stands at risk due to unexpected expenses, employee actions, supplier issues or a brief decline in revenues, you can still maintain your business momentum while you sort it out. See whether these features of the merchant cash advance meet your needs: If your business has regular credit and debit card charges as well as from $5,000 to $1,000,000 in credit card receivables, it’s a good candidate for First Financial’s merchant cash advance.

First Financial’s straight-forward program buys a portion of future receivables for cash payment up front to you now. Read more below about the advantages of a business cash advance. Many businesses borrow against their assets or accounts receivables several times throughout the year through various financial options. It’s just part of their business model. Since with the application our inquiry into your business credit is a “soft inquiry,” you can apply now without risking your business credit score. The First Financial merchant cash advance is not a loan. It takes under a minute to fill out our simple form and you’ll know within 48 hours how much your business qualifies to borrow, as well the rates and terms. Get money into your account within three days. Ready to discover how you can fund your business today?

Commercial Loans
It all starts with your information request. Since every situation is unique, we make sure to directly focus on and understand our customer’s individual needs. After submitting your request, within 24 hours we will reach out to you to discuss your commercial loan options. Since 1996, our loans have helped more than 50,000 customers stay current with what they want from a commercial lender.

When buying a property to expand your business and build industry leadership, trust A+ rated First Financial to provide the lowest rates, on-the-go access and the most robust security allowed by the U.S. Treasury Department. Since 1996, our loans have helped more than 50,000 buy the offices, factories and warehouses that will keep their costs under control long-term.

We’re proud to offer hard-working, U.S. business owners:

Low interest rates –automation, fewer employees, low marketing and operating costs (no branches!) allow us to offer far lower interest rates on a commercial loan.

Higher loan approval rates – a Harvard Business School study revealed that online lenders approve applicants 60% of the time. Large banks approve an average 21% of applicants.[i] First Financial’s low overhead ensures approval rates two and three times higher than traditional banks.

All the security traditional banks offer. The U.S. Treasury Department mandates all lenders, whether on- or offline use “banking-level,” 128-bit encryption! Convenience of online applications, approval notices, documentation uploads and more. Avoid intense, one-on-one interviews and get your commercial loan financed from the comfort of your home.

Apartment Loans
Build Your Real Estate Portfolio Wisely! First Financial is a leading source of loans for the purchase of apartment buildings, also known as multifamily units. The best way to build a portfolio of income-generating properties is to ensure loan costs stay as low as possible. Since 1996, First Financial has closed more loans by operating online and carefully matching the borrower with a loan that provides stability for the situation long-term.

Apartment loans we offer include:

Conventional Multifamily Loans Link – Best for first time buyers looking to acquire smaller units, conventional loans use the unit itself as collateral.

Conduit / CBMS Multifamily Loans Link – Best for experienced real estate investors, conduit / CMBS loans serve commercial borrowers whose financial details make them ineligible for a conventional loan. With the conduit loan, banks use mortgages from several properties as collateral, rather than the property itself.

Interim, Bridge and Construction Multifamily Loans LINK – These short-term loans fill a need when a multifamily unit is being remodeled, but capital runs out. Banks are hesitant to lend when a property is undergoing change. Interim loans are stop-gap measures that keep construction on schedule. They can also provide the funds needed when closing dates on a new building purchase fall before monies are due for a former building’s sale.

Government-backed Multifamily loans – Freddie Mac, Fannie Mae, FHA and USDA LINK – these loans fulfill mandates from legislation to provide affordable housing and even office space in certain areas to certain populations. Those looking to buy or develop in rural and/or poor areas should always examine how government programs can help get them better rates and terms.

Application Process

It all starts with the online request form. The online request form is the most comprehensive in the industry. It was designed for people with low credit scores or bad credit. The online request form takes into consideration many factors such as income, employment, residence and banking history. Typically issuing a result in as little as 5 minutes.

Here are some of the basic qualifications:

You need to have a source of income.
You will need to make at least $800 per month in income.
No minimum credit score is required.
You will need to be at least 18 years of age or older.
The request form must be completed online.
You must have a valid email address

To get Auto Loans you must have:

$1,500 gross monthly income if your credit score is less than 625
Proof of U.S. or Canadian residency
Proof that borrower is 18 years or older
Completion of the “341 Meeting of Creditors” if a Chapter 7 bankruptcy is on the credit report
An ”Authorization to Incur Debt” from the trustee if a Chapter 13 bankruptcy is on the credit report
Intent to buy car from our thousands of authorized licensed car dealer partners

Mortgage Loans are available for California Residents Only.

Repayment Terms

It all starts with the online request form. After we verify your information, you will be presented with offers for your unique situation. Once you receive your offer, you will be able to review all of the rates, fees, terms and conditions prior to accepting the offer. If you are not interested, simply opt out.

Customer Support

2850 Womble Road Suite 100-604
San Diego, CA 92106

1-800-315-7791
Fax: 1-800-215-0217
(Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

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