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Borrower Eligibility Will I be eligible for a f1RST Personal Loan? I am an existing borrower. I am a former borrower. Why was I disqualified? Can I use a cosigner? See all articles › Applying for a Loan I already have an f1RST Personal Loan with First Financial Bank. Will that affect my eligibility? How does applying for a f1RST Personal Loan affect my credit? When and how do I receive my loan funds? What is the range of interest rates offered on f1RST Personal Loans, and what is the difference between APR and interest rate? Can I change my f1RST Personal Loan application after it has been submitted? See all articles › Verification How do I get my transcript? Can I use my household or spouse’s income? What documentation will verify my income? Can I increase my loan amount after I have accepted my loan terms? What is considered income? See all articles › About Upstart What is Upstart? How can I contact First Financial Bank? See all articles › Popular questions What can I use the loan proceeds for? What documentation will verify my income? When and how do I receive my loan funds? What fees am I charged? I am an existing borrower. If I am approved and want to accept the offer, what’s next?