First Financial

• High Approval
• Convenience
• High-Risk Solutions

High Approval

Customers with low credit scores may have a shot through First Financial to be approved for a loan. The higher your credit score the better the chance you have of claiming a loan or other products, but the company says even credit scores below 499 have a chance.

Convenience

While there are no offices or branches to visit, the convenience of First Financial is applying and being approved in the comfort of your home. Most applications are done online and in a matter of minutes.

High-Risk Solutions

First Financial offers high-risk merchant accounts to many types of businesses. The company maintains that all businesses, whether they are in the high-risk category or not, should have the perk of obtaining credit cards for their business.

• No Fee Transparency
• Poor Website

No Fee Transparency

No fees are listed for the different services offered. In the company's disclosure, it states: "First Financial makes every effort to update the rates and fees listed. However, we cannot guarantee the accuracy of the information as the companies may change their pricing without notifying us. Be sure to read and understand the important terms and conditions before you apply for a consumer service or any loan product." We find this lack of transparency troubling. Not only do they not provide fee information, but also lack interest rate, and requirement information.

Poor Website

The company's website features several typos, as well as areas with either duplicate content, or missing content (such as an "about us" page, etc.). These suggest that the website is not well-maintained, and customers may have difficulty finding critical information.