Why First Financial is right for you.

We want to make sure you get the financing you need to close the purchase.  We provide a fast decision making process, an easy to interact with team and an aggressive approach to financing customers with less than perfect credit.

  • No minimum credit score
  • No mileage limitations
  • No minimum income requirements
  • Aggressive on applicants with money down, regardless of credit score
  • Personal credit decision on applications
  • Extended terms on older models
  • LTV up to 120% of NADA retail
  • ACH funding
  • 5% and 3% flat reserve programs depending on Transunion credit score
  • Coupon program
  • Open Chapter 13 bankruptcy
  • No minimum application volume
  • Extended approval hours (weeknights and Saturdays)
  • Third-party loans

“First Financial is by far our best funding partner.”

– Jim James / F&I Manager, John Doe Chevrolet

Join our dealer network.

First Financial is known for doing what it takes to help people get to work every day. That’s been a central part of the way we do business since we opened our doors in 1916 and it’s still part of our DNA.  Join our network of dealers and help secure the financing needed for your customers.

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Indirect lending is our specialty.

We fund loans from prime to subprime and every loan we make is evaluated by an experienced loan officer — not a computer — so we can get a true feeling for each customer’s ability to make payments on time. Learn More

Bauer 5-Star Award

Financial Safety And Soundness

Awarded by BauerFinancial, the largest independent bank rating and research firm in the United States.

Every dealer gets a monthly rate sheet.

You can plug in the numbers and see exactly what the customer will be paying each month. Because most customers are payment sensitive, having this information available can help close the deal.

We service what we sell.

Many lenders will bundle loans and sell them to institutional investors. Not First Financial. We’re in it for the long haul, conducting business while doing the right thing.

Count on us for help when you need it.

The dealers in our network look to us for prompt credit decisions, quick funding and willingness to work one-on-one to make a sale. We are proud to serve dealers ranging from small, independent car lots to large dealerships with multiple locations. What can we do for you?

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It takes 3 minutes and you’ll never want to work with another bank. Ever. Sign up today and start enjoying car lending the way it should be.

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