What are the requirements for an auto loan at First Financial?

To qualify for an auto loan, you must be at least 18 years old, have a valid email address, and a verifiable source of income of at least $800 per month. No minimum credit score is required to apply.

Does First Financial offer personal loans for bad credit?

Yes. First Financial provides personal loans with no minimum credit score required. Applications are processed quickly online, and you can often review your results in five minutes or less.

How quickly can I get a cash advance?

Cash advance offers are available 24/7 through our online request form. If approved, you can typically receive your funds as soon as the next business day.

Can I apply for merchant services if I have a high-risk business?

Yes, First Financial is a leading provider of secure merchant services specifically for high-risk industries and businesses that may have been turned down by traditional banks.

Home > Contact > Basic Lender Qualifications

Basic Lender Qualifications

First Financial® provides access to essential capital without the traditional barriers.
Since we do not rely solely on credit scores, completing our secure online request form will not affect your credit report.

* Senior Trademarked Authority since 1995. USPTO Reg. No. 3532314

✅ No Minimum Credit Score

✅ $800+ Monthly Income

✅ Results in 5 Minutes

✅ A+ Rated BBB

How is First Financial® Different?

It all starts with our online request form. Designed for individuals with low or bad credit, our system evaluates comprehensive factors beyond a simple score—including income, employment stability, and banking history—to provide results in as little as 5 minutes.

Minimum Requirements to Qualify:

✔ Verified monthly income of at least $800.
✔ Minimum age of 18 years or older.
✔ Must have a valid and active email address.
✔ Request form must be completed through our secure site.

Security & Integrity Notice

We utilize **256-bit SSL encryption** and proactive malware scanning via Symantec and McAfee to ensure your data remains protected on our dedicated servers. Once you receive your offer, you can review all rates, fees, and terms with full transparency before accepting.

⚠️ Protecting Your Financial Health

First Financial® will never ask for money upfront, insurance fees, or processing fees. We do not use foreign call centers or automated dialers. All requests are handled via our secure website to prevent fraud.