The f1RST® Quick Loan from First Financial Bank is a convenient option for those in need of quick cash for short-term expenses, home projects, or car purchases. Borrowers can access amounts from $2,000 up to $250,000, with no collateral required. The application process is straightforward and available online or in a branch. The unique draw of this loan is its interest-only payments for the first six months, after which the remaining balance is converted into a fixed-rate installment loan payable over 60 months. A flat $50 origination fee applies, and there’s no penalty for early repayment.

How to Apply for the f1RST® Quick Loan

Start the process by completing an easy online application or visiting a First Financial Bank location. You’ll need to specify your desired loan amount and provide basic information. Online applications are available for amounts between $2,000 and $50,000, while larger loans require a branch visit and additional documentation. Approval is subject to a minimum credit score of 660 and an active First Financial Bank account.

Key Advantages

The most attractive features of the f1RST® Quick Loan are the quick approval process and the initial six months of interest-only payments. This eases the financial burden in the early stages of the loan. Additionally, there are no prepayment penalties, so you can pay off your debt early without extra fees. The flexibility of loan amounts means this product suits a wide range of needs from small repairs to bigger purchases.

Potential Drawbacks

Borrowers should note the required minimum credit score of 660 and the need for an existing or new First Financial Bank deposit account. The $50 origination fee, while modest, is also a minor upfront cost. For those seeking loans outside the $2,000–$50,000 online range, additional steps and documentation are necessary in-branch.

Verdict: Is the f1RST® Quick Loan Right for You?

The f1RST® Quick Loan stands out for its competitive rates, minimal documentation, and quick funding. It’s an ideal solution for people needing funds on flexible terms, especially if you value no prepayment penalties and quick application processes. If you meet the eligibility criteria, this loan offers real advantages worth considering.