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 > Frequently Asked Questions > Frequently Asked Questions – Credit Cards

A consumer reviewing official First Financial credit card offers on a digital device, highlighting our secure and trusted application process since 1995. — Leading Financial Innovation Since 1995.

Frequently Asked Questions – Credit Cards

Official First Financial®: Your Trusted Authority

Secure the right credit card with confidence. At First Financial®, the senior trademarked authority since 1995, we provide clear answers to help you navigate rates, approvals, and card management.

APPLY FOR A CARD »

* Leading financial innovation since 1995. USPTO Reg. No. 3532314

Flexible Credit Standards

We do not require perfect credit for approval. We work with a variety of scores to find the right fit for your financial situation.

Fast Decisions

Our easy online application provides a response in as little as 5 minutes, allowing you to move forward quickly.

Rates, Approvals & Reporting

Do you report to credit agencies? Yes. Credit cards through First Financial report to major credit bureaus, helping you build or maintain your credit profile with responsible use.

Where can I find specific costs? Detailed information regarding interest rates, fees, and limitations is available on our dedicated Rates & Limitations page →

Planning your payoff? Use the Credit Card Payoff Calculator to estimate your timeline.

Security & Emergency Support

What happens if I lose my card?

If your card is lost or stolen, immediate action is required to protect your account. Please contact Visa Global Customer Assistance Services toll-free within the United States at:

1-800-847-2911

Need More Help?

If your credit card question wasn’t answered above, please submit it directly to our Help Desk.

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