First Financial provides consumers with the ability to obtain small personal loans, auto loans, mortgages, cash advances, credit cards, and student credit cards based on income rather than credit. Consumers also using First Financial banking services have all the features of online banking available to them, including the ability to open a debit account or savings account. First Financial is providing those consumers who do not have credit or that have poor credit with the opportunity to obtain financing through their network of lenders.
First Financial is giving consumers the opportunity to obtain financing through its trusted lender network, regardless of bankruptcies, repossessions, liens, judgments, charge-offs, and outstanding debts. The financial institution lends based on income instead of credit score and credit history, using bank statements, government benefits letters, and payroll stubs rather than just a score—believing in the philosophy that everyone deserves a second chance. This helps borrowers get a reasonable loan offer even with lower FICO scores.
To qualify for First Financial personal loans, such as a mortgage or auto loans, applicants must have a minimum credit score of at least 600. This would be considered a "poor" score and is lower than just about any lender from other institutions will allow. This is convenient for potential borrowers who have bad credit but are still looking to improve it and take out a personal loan.
First Financial personal loans do not require a loan origination fee or prepayment fees. This means no added fees will be taken out of your personal loan funds, and you can make extra payments and repay your loan sooner than the required due date without incurring any penalties. Having no prepayment penalties allows borrowers to pay back their loans as soon as they'd like and has the potential to save them a great deal of money in interest fees.
First Financial will then pull the credit score, and a representative will be in touch with you the same business day. First Financial reviews applications online and, upon approval, your loan amount will be added to your accounts within one business day. This quick and easy process is especially helpful when the cash is needed for immediate use and payments. In the rare instances where there are problems with application materials, the money available could be delayed a few business days.
To further assist with financial planning, First Financial offers an array of online banking services. Consumers can access their debit card and checking account, make person-to-person payments, and find other personal finance tools at any time from a smart device. This is especially useful in preventing non-performing loans.
First Financial has been in business for 18 years, giving the lender almost two decades of experience. This can provide peace of mind to consumers that First Financial is an experienced lender and isn't new to the personal loans industry.
At First Financial Bank, an applicant can secure a personal loan at an annual percentage rate of anything between 16 percent and 420 percent. This incredibly large range is due to applicants' variations in income and other factors. As one would imagine, better income would equal a much better rate. Conversely, if the applicant has a low income, he or she will be restricted to have a very high interest rate.
The maximum loan amounts through the financial group vary from borrower to borrower, though $1,000 appears the be its average maximum among borrowers. First Financial Bank advertises that this type of loan is designed for a customer who is trying to repair or establish his or her credit.
First Financial does not have a very transparent website with easy-to-find information. We had difficulty finding basic information, such as maximum and minimum loan amount, loan term length, loan payments, monthly fee, exact APR range, and state availability. You will have to contact a First Financial employee to learn more about its personal loan offerings. This may prove to be an inconvenience to many potential borrowers, especially if they are looking to quickly and easily compare First Financial to other lenders.
Be aware, when you leave your employer, if your employer is not responsible to let you know, First Financial will literally lie to you about the left over money in your account and then keep it. And their call center will lie to you and make you think you can use it but you cannot. Because of COVID I had an extension on my 2019-2020, $860, until the end of December 2020. Plus my 2020-2021, $1000, that did not get used and was no longer available to me after the 15 day grace period. Even after I called and talked to 2 of the representative, the both told me I could still use the 860 until the end of the year. So I made an appointment, got a tooth fixed, paid for it out of my pocket, submitted for reimbursement, just to get denied. I called to check on it and nope... you lose. You are welcome First Financial for the $1860 from this unemployed person. I hope karma bites you.
They scammed me out of 450$$$ than lied to me about getting my vehicle off a mechanical lien. Told me to file chapter 13 bankruptcy I don’t know about you but Marcella L and the rest of them are going to be reported to the attorney general and I’m filing a law suit. All who want to do a class action law suit. Is more than welcome
I have been a customer for 15 years and they treat me more and more like excrement every year. They have decided to charge a $55 yearly fee just to be a member. I did not agree to this. They will close my account if I don't pay. I have a 755 credit score and no late payments but my APR is at 31 PERCENT! don't believe their hype. Get a card from your local credit union instead; They only charge me 5%.
Took out 1st 2 payments 3 days before they were supposed to, about messed up our checking account. Bought a $1500.00 bed and mattress and now they want over $3000.00 and if you pay off early there's a penalty you have to pay. Will never us them again and highly don't recommend them. Plus they never answer any correspond unless THEY need something.
My Family been with FFB since 1995 and it has great but now They have no banks in FF twp and have to drive out of are way to get money out genie machine or deposit!!!! STOP CLOSING YOUR BANKS ITS VERY INCONVENIENT!!!!!!!!!!!!!!
On Monday I paid 1,400, made arrangements for Friday pay $300 then in two weeks pay 300 more. Then2 days later employee calls me to say Friday I need to bring in $1000.so I said we had a agreement n she said no we didn’t, she even write it on my receipt.and I still had 3 days befor it was due.And I said I’ll call later when I have time when I’m off work n then I hung up. I go to leave work at 530 n pick up baby from daycare n the lady had killed switched my car. And when I called she said she wants the $1050 to turn it back on, then after talking with her coworker she says the least she will except was $450 now then $315 on Friday. Then when I called automated payment it said I only need to pay $150. She killed switched my car cause she didn’t like how our conversation. That was wrong,I was 1 hr late for pick up baby n cost me a extra $75. I am filing a complaint with BBB and the headquarters. This lady wants to play games. And if she did this to me(single mom,full time worker) imagine who else she scammed and treated and lied to, if I didn’t need my car I would of took it back n left it in front of her door, very professional ,ignorant,dishonest employee.she really made u guys look so bad n this was horrible horrible business. And mind u in 2 weeks I gave them over $3500.i work hard for my money,
They tell u to put in ur zip code first within seconds that's when you realize these people are scammers
The worst service ever how you going to ask for 209 and I don't have it... never heard of you guys it's a scam
Terrible service. If you're one minute late with your payment, they start calling you relentlessly. Then they will repossess without notice. Avoid at all costs.
Not sure about being available in all states....the first question it asks is your zip code. I live in West Virginia. I put in my zip code and it immediately responded with I'm sorry but we can't help you.