f1RST® Quick Loan

Perfect for you if:

You have short-term cash needs such as a car, projects around the house or unexpected expenses.

You need funds quickly and without collateral.

Apply now What is a hybrid loan?

What to expect:

  • Interest-only payments for the first six months1
  • After six months, you will repay the balance as a fixed rate installment loan over 60 months
  • Loan amounts $2,000 - $250,0002
  • $50 origination fee3
  • No prepayment penalties
  • Easy application process online or in a financial center
  • Additional benefits with a First Financial Bank checking account4

How to use your f1RST® Quick Loan

Small home improvements

Handle unexpected expenses

Consolidate your debt

Buy a new car

What is a hybrid loan?

Hybrid loans provide the best of both worlds between credit cards and a traditional loan. Here's how to put one to work for you.

Consolidate debt the easy way

Don’t let debt get in the way of your financial goals. Here are three tips to consolidate your debt and avoid high interest rates.

Uses for a personal loan

Personal loans are a flexible financial tool. From consolidating debt to funding unexpected expenses, do you know how to make the most of a personal loan?

All loans are subject to credit review and approval and rates are subject to change without notice. Minimum 660 credit score required.

1 The loan will have a draw period of 6 months. Interest-only payments will be required during the draw period. After 6 months any outstanding balance will convert to a 60-month term loan which will require principal and interest payments. $50 origination fee. As of October 11, 2023, the repayment period APR will range from 11.54% - 16.54% APR. Your final repayment period rate will be determined based on your credit score. APR = Annual Percentage Rate.

2 Online First® Quick Loan applications must be requested in amounts between $2,000 and $50,000. Applications above $50,000 must be made in a branch and require additional information and documentation.

3 Fees may be waived depending on relationship-based account benefits. For additional information on loan benefits, please view our checking account options.

4 Your final rate will be determined based on the loan amount, term and credit score. All loans are subject to credit review and approval and rates are subject to change without notice.