Looking to remodel a room?

Finance your latest remodel or just spruce up your home with a home equity line of credit from First Financial Bank.  We make it fast and easy to get the money you need to complete your latest project.

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Why pick First Financial Bank for your equity line?

I need transportation to get to work. Can you help me?
We’ve helped people for years and we may be able to help you. Although we work with any potential car buyer, we specialize in near-prime and subprime loans.

What is near-prime and sub-prime lending?
Although it varies, near-prime is a FICO credit score of 601 to 660. A subprime credit score is 600 or lower. Your credit score does not disqualify you from receiving a loan but be prepared to answer questions.

How do I get started?
Call or visit The Morris Plan to complete a simple, free application. You will need your age, Social Security number, legal residence, citizenship status, phone number, proof of full-time employment and three complete references. If you are under the age of 18 or cannot qualify on your own, you will need a co-signer.

What is a co-signer?
A co-signer is someone who agrees to borrow money for your vehicle right along with you. Your co-signer must qualify for the loan and is responsible for the payments if you cannot make them.

Do I need a certain credit score or income?
You don’t need minimum credit score or income requirements. The Morris Plan helped all kinds of people by making personal credit decisions.

What exactly is a credit score?
Your credit score is a number ranging from 300 to 850 that tells banks and other creditors how good you are at paying back money you have borrowed. A lower credit score means higher risk. This affects the interest rate of your loan.

How will my loan application be evaluated?
Unlike most dealers and financial companies, we do not use automated underwriting to decide if you qualify. A Morris Plan loan officer will personally look at your qualifications and in most cases ask questions to determine your creditworthiness.

What if I have credit challenges?
Bad credit can result from illness, injury, divorce, separation or unemployment. Your loan officer may ask you about these and other situations that affect your credit.

What about a down payment?
There is no need for any down payment at all. However, a down payment increases the likelihood of approval because it raises the value of the vehicle compared to what you are borrowing.

What monthly payments can I afford?
Aim to spend roughly 10% or less of your monthly take-home pay on a car payment. Remember there are expenses above and beyond your payment, including how much fuel and insurance will cost every month.