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 – Auto Loans

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Frequently Asked Questions – Auto Loans

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What do I need to qualify for an auto loan?

Basic auto loan lender qualifications:

✔ Min. $1,500 gross monthly income required for credit scores below 625.
✔ All Bankruptcies must be discharged (or provide a trustee letter).
✔ No repossessions in the last year (unless included in bankruptcy).
✔ Loans are for purchases from authorized licensed dealership partners.
✔ US residency and a minimum age of 18 are required.

Can you do auto loans for people with poor or bad credit?

Yes. We work with all credit scores nationwide.

What is your geographic coverage?

We provide auto loans in all 50 States, Mexico, and Canada through our extensive dealership network.

Can you do loans for motorcycles, ATV’s or mobile homes?

No. To maintain our specialized high approval rates, we only fund new and used cars and trucks.

How do I check the status of my application?

Already applied? Click here to check your status. Support is available M-F 9am to 6pm EST at (866) 902-4403.

Have a Different Question?

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