f1RST® Quick Loan from First Financial Bank aims to offer a convenient solution for individuals facing short-term cash needs. Whether you’re dealing with car repairs, home projects, or an unexpected bill, this loan promises rapid approval and funding. Loan amounts range from $2,000 to $250,000, making it suitable for both smaller and major expenses.

A standout feature is the interest-only payments for the first six months, which helps reduce the initial financial burden. Afterwards, any remaining balance is paid off with fixed-rate installment payments across 60 months. There’s a $50 origination fee, but no prepayment penalties, giving you added financial freedom. An important note: you’ll need to already have, or open, a First Financial Bank deposit account, and a credit score of at least 660 is required.

How to Apply: Step by Step

Applying for the f1RST® Quick Loan is straightforward. First, gather your personal and financial information, including income details and existing debts. Then, visit the online application portal or apply in a branch if you seek $50,000 or more. Complete the application by following prompts related to your financial situation. After submission and review, funds can be disbursed rapidly once approved.

Key Benefits

One major advantage is how quickly you can access larger sums — great for emergencies or planned expenses. Not having to provide collateral is another huge perk. The initial six months of interest-only payments ease the financial pressure at the start of your loan term. The option to pay off early without penalty is enticing for those who anticipate extra funds in the near future.

Possible Drawbacks

Applicants need a reasonably high credit score, which could limit access for some. Additionally, you must have a First Financial Bank account, so new customers will need to go through that setup. The $50 origination fee is another factor, albeit a relatively minor one in the context of higher-value loans.

Our Verdict

The f1RST® Quick Loan provides flexibility, competitive terms, and fast funding for those with reasonable credit and a deposit relationship with the bank. This offer is strong for borrowers wanting a blend of speed, manageable payments, and the ability to borrow large amounts without collateral. Overall, it’s worth considering for those who meet the requirements and value convenience.