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 – Personal Loans

A professional consultation discussing personal loan options, highlighting First Financial's secure lender marketplace and trusted A+ BBB rating. — Connecting You to America’s Premier Lender Marketplace Since 1995.

Personal Loan Questions

Official First Financial®: Your Path to Fast Funding

Get your personal loan questions answered here. At First Financial®, we connect you with one of the largest lender marketplaces in the U.S., providing clear answers to help you secure the right funding fast.

GET STARTED NOW »

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

Rapid Approvals

Our marketplace allows lenders to view applications in real time, often providing responses within minutes.

Fast Funding

Once an offer is accepted, funds are typically deposited into your account in as little as 24 hours.

Common Loan Inquiries

What is the maximum loan amount? Lenders in our network cap personal loan limits at $5,000. Successful on-time repayment significantly increases your chances for future higher limits.

Do I need to disclose the use of funds? No. You are entitled to use the funds for any personal need, including weddings, repairs, medical expenses, or emergencies.

Where do I find my specific rates and terms? Since First Financial is a marketplace and not the direct lender, your specific terms will be provided directly by your matched lender once you are connected to their secure site.

Credit & Eligibility Requirements

Modern online lending uses sophisticated algorithms beyond just credit scores, allowing more applicants—including those with bad credit or fixed incomes—to qualify.

Standard Qualification Checklist:

✔️ 18 Years or Older
✔️ Valid Email Address
✔️ Active Checking Account
✔️ $800+ Monthly Income

Note: Self-employed individuals and those on fixed benefits (Social Security, Disability, etc.) are eligible as long as the monthly income requirement is met. View Full Qualifications →

Security & Responsible Lending

Privacy Protection: We use 256-bit encryption and daily security scans from leaders like McAfee and Norton to ensure your personal data remains confidential.

Repayment & Defaults: If you anticipate a late payment, contact your lender immediately. Many offer flexible modifications or extensions, but failing to communicate can lead to additional fees and collection actions.

Still Have Questions?

Our senior team is here to guide you through the “Whole and Complete” lending experience.

SPEAK TO THE TEAM »

Call the Help Desk at 1-800-315-7791

A+ Rated by the Better Business Bureau