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Loans fees and repayment

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First Financial Online Online’s lender marketplace connects lenders with borrowers looking for short-term loans. The form takes just three minutes to fill out and lenders make decisions in real time, often in under five minutes.

Take these 3 easy steps to get your cash

Complete our quick online request form

Most fill out the First Financial Online request form in three minutes or less. Your information remains just as safe as it does with a traditional, local bank. At this point, you don’t need documentation, and a lender should get back to you within minutes.

Lenders review your details

Online lending has become so widespread that lenders now specialize in certain “types” of borrowers. Some specialize in providing loans to those needing the smallest or largest amounts. Others have marshalled the best offers for veterans, active military and/or teachers. Still more make sure they’re providing all the loans to those in a certain state or region. Rest assured, there will be a lender that has the best interest rates for your situation.

Lenders are standing by in real-time to review information about your employment, state of residence, occupation, monthly income, and other details. They then decide whether they would like to work with you. They quickly send an email directing you to their website so you can complete their process, which may include uploading scanned or photos of paystubs and other income statements. Now it’s up to the lender to fashion a loan with the right terms you will accept. If the loan terms seem reasonable, accept the loan

Get your money

Once you accept the loan, you agree to work with that lender. The lender gets the money into your checking account quickly, in as soon as 24 hours.* Keep in mind that your lender sets your loan terms, interest rates and payment due dates and will be happy to answer all questions about these details. They will provide a phone number and email where you can contact them directly.

Loan interest rates and terms

What kind of lenders use First Financial Online Online?

First Financial Online has spent the past two decades finding lenders who can provide legitimate short-term loans to borrowers with good, fair, poor and bad credit. Each lender has its own requirements, as well as its own interest rates and payment due dates. First Financial Online is not a lender nor does it provide loan brokerage services.

Lenders typically offer borrowers from $250 to $2500. The amount depends on monthly income, credit score, how long you’ve had your job and more details. Loans that the lenders at First Financial Online provide include cash advances, payday loans, lines of credit, title loans, auto equity loans and personal loans. Which you decide to accept is up to you. You can always decline any offer.

What’s the total I have to pay back? What will my APR be?

As a marketplace, First Financial Online provides consumers access to many lenders. Each lender creates its own loan terms and borrower requirements. We neither advertise nor provide terms, interest rates, annual percentage rates (APRs) or any fees the loan entails.

When a lender provides an offer, they send an email or text or call you to get you to their website and the page that lists all loan terms. Make sure you review all loan terms before you accept the lender’s offer. At this point, it is up to you to understand exactly how much the lender is offering, what your payoff amount will be and when you will have to pay it back. If you do not understand any of the amounts, contact the lender and have a representative walk you through all amounts. Write this information down and keep it in a safe place.

How do I renew the loan if I need to?

If you need to use your paycheck for other bills, but the cash advance also is due, most lenders will work with you to renew the loan.

Renewal policies vary lender by lender. Many will offer a renewed loan that involves additional loan fees. Review the lender’s renewal policies. Talk to their customer service representative to explain your preferences for repayment. If you have any issue contacting them or getting them to renew your loan, please contact First Financial Online.

If I can’t pay the loan back, will the lender work with me?

If you get to your payment due date but don’t have the money, many lenders will work with you to extend the loan into the next month. This step will most likely involve additional finance charges, so make sure you understand them.

Keep in mind that when you accept the loan and sign the paperwork, you enter into a legally binding agreement. Anyone who makes only a partial payment or fails to pay the loan back has breached that contract. The lender may then report you to a consumer reporting agency and/or send your account to a collections agency. The lender or its collections agency can even bring legal action.

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First Financial Online ® Corporate Headquarters: 2850 Womble Road Suite 100-604 San Diego, CA 92106
Client Service Center: Main: 1-800-317-0927 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)
First Financial Online ® is a Federally Registered Trademark

©1994-2019 First Financial Online ®, All Rights Reserved. All other products and company names are trademarks of their respective companies.

*THE OPERATOR OF THIS WEBSITE does not lend directly to borrowers or any applicant, nor does it broker loans for lenders or make short-term loans or credit determinations. It does not act as a lender agent, broker or representative and does not endorse any single lender. It does not charge any applicant for services or products ultimately obtained through this network. This website neither presents a solicitation to lend nor constitutes any kind of cash or loan offer. This site only provides the means for applicants to submit information to lenders. Even though this service is available to all, it does not guarantee that any lender will choose to work with you or offer you a short-term loan. All applicants and users of this website must understand that cash advances should never be used as a long-term solution to on-going financial issues. Applicants must know, too, that initial terms on cash advances include repayment dates as quick as a few days or up to two weeks. Further, only some lenders provide up to $2,500, and the amount varies based on the information the applicant has provided. While some lenders can get money into a borrower’s checking account within 24 hours, cash transfer times vary among lenders. These times also can be impacted by your financial institution. Details, questions and concerns about your short-term loan must be addressed directly to your lender. This website’s services are not available to residents of all states. Interest rate limits established by New York law prevent this service from being available to citizens of New York state.
** Not all lenders affiliated with First Financial Online can offer $2500